Loudoun County property record for 20370 Cottswold Ter, Sterling, VA 20165
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 3 ba · 2,678 sqft · built 1998 |
| Owner | Individual Name on File |
| Last Sale | $500,000 (Oct 2016) |
| Tax Bill | $5,678 (2026) |
| Deeds & Mortgages | Sep 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 002-15-1038-001 |
| Primary APN | 002-15-1038-001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 3 Stories |
| Building Area | 2,678 sqft Living Area |
| 1st Floor Area | 1,000 sqft |
| Basement Area | 620 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Townhouse |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Garage Type | Basement |
| Garage Area | 380 sqft |
| Deck Area | Deck Area |
| Patio Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 20370 COTTSWOLD TER |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20165-5160 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | PDH4 |
| Legal Description | MEDINAH HOMES CONDO PH.3 UNIT 63 201106080034671 |
| Legal Subdivision | MEDINAH HOMES CONDO PH.3 |
| Legal Phase | 3 |
| Legal Block | 1 |
| Legal Lot Number | 63 |
| Legal Unit | 63 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | ALGONKIAN |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 611208 |
20370 Cottswold Ter, a condominium, is owned and occupied by an individual who bought it in October 2016.
Source: Loudoun County records, as of September 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20370 COTTSWOLD TER, STERLING, VA 20165-5160 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 11, 2016 · Amount on File |
| Deed Sale | Oct 11, 2016 · Amount on File |
| Prior Sale | Jul 3, 2012 · Amount on File |
| Deed Document Number | 201667909 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20370 COTTSWOLD TER, STERLING, VA 20165-5160 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000101537 |
|---|---|
| Date | Sep 30, 2021 |
| Instrument | 202109300101537 |
| Name | ATLANTIC COAST MORTGAGE LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.88% |
The 2026 property tax bill for 20370 Cottswold Ter was $5,678.
Source: Loudoun County assessment roll, as of September 18, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Loudoun County |
| Unified School District | Loudoun County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,678.00 | $705,450 Land $203,500 Building $501,950 | $705,450 Land $203,500 Building $501,950 |
| 2023 | $5,674.00 | $648,470 Land $203,500 Building $444,970 | $648,470 Land $203,500 Building $444,970 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20370 Cottswold Ter in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2008.
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 |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 2 (2008–2020) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2020 · other causes |
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 risk around 20370 Cottswold Ter 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 419 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
5G (outdoors only) and 4G LTE
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