2 Cumberland Ct, Sterling, VA 20165 Property Records

Loudoun County property record for 2 Cumberland Ct, Sterling, VA 20165

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,114 sqft · built 1983
Lot Size	0.43 acres (18,730 sqft)
Owner	2 Individual Names on File
Last Sale	$689,000 (Nov 2020)
Tax Bill	$6,392 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Sep 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`028-40-3958-000`

Property Details

APN / Parcel Number

Primary APN	`028-40-3958-000`
Alternative APN	`64A1 1 38`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	3,114 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,126 sqft
Finished Basement	1,126 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,730 sqft (0.43 acres)
Garage Type	Attached
Garage Area	441 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	722 sqft
Deck Area	Deck Area
Patio Area	937 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	2 CUMBERLAND CT
City	STERLING
State	VA
Zip	20165-5660
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDH3
Legal Description	COUNTRYSIDE SEC.2C LOT 38 2195--2477
Legal Subdivision	COUNTRYSIDE
Legal Block	2
Legal Lot Number	38
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	2
Census Block	2000
Census Tract	611102

Owner

2 Cumberland Ct is owned and occupied by two individuals who bought it in November 2020.

Source: Loudoun County records, as of September 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2 CUMBERLAND CT, STERLING, VA 20165-5660
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Deed of Trust, Mortgage · Line of Credit THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION
Sep 19, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance THIRD FEDERAL SAVINGS & LOAN ASSOCIATION
Jun 3, 2021	Deed of Trust, Mortgage · Line of Credit THIRD FEDERAL SAVINGS & LOAN ASSOCIATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2020 · Amount on File
Deed Sale	Nov 2, 2020 · Amount on File
Prior Sale	Jun 17, 2002 · Amount on File
Deed Document Number	2020104754
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Recording Date	Jul 7, 2026
Property Address	2 CUMBERLAND CT, STERLING, VA 20165-5660
Document Number	0000034848
Instrument Date	Jun 25, 2026
Instrument	202634848
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	CORPORATE SETTLEMENT SOLUTIONS, CORPORATE SETTLEMENT SOLUTIO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 CUMBERLAND CT, STERLING, VA 20165-5660

Mortgage

Document Number	0000034848,
Date	Jul 7, 2026
Instrument	202634848

Lender

Name	THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 25, 2056

Interest

Rate	6.24%
Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	2 CUMBERLAND CT, STERLING, VA 20165-5660
Transaction Type	Mortgage
Record Updated	Oct 5, 2022
Title Company	TITLE355

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000053052
Date	Sep 19, 2022
Instrument	202209190053052

Lender

Name	THIRD FEDERAL SAVINGS & LOAN ASSOCIATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2052

Interest

Rate Type	Adjustable Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	2 CUMBERLAND CT, STERLING, VA 20165-5660
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000063019
Date	Jun 3, 2021
Instrument	202106030063019

Lender

Name	THIRD FEDERAL SAVINGS & LOAN ASSOCIATION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	May 25, 2051

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 2 Cumberland Ct was $6,392, up 0.6% from the year before.

Source: Loudoun County assessment roll, as of September 18, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Loudoun County
Unified School District	Loudoun County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,392.00 (+0.61%)	$794,100 (+0.62%) Land $265,400 Building $528,700	$794,100 (+0.62%) Land $265,400 Building $528,700
2025	$6,353.00	$789,240 Land $265,400 Building $523,840	$789,240 Land $265,400 Building $523,840
2023	$6,184.00	$706,840 Land $265,400 Building $441,440	$706,840 Land $265,400 Building $441,440

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2 Cumberland Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

Source: FEMA National Flood Hazard Layer, effective June 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2011 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 2 Cumberland Ct is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LOUDOUN WATER - CENTRAL SYSTEM serves 334,808 people · EPA ID VA6107350
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 354 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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