Loudoun County property record for 20375 Cottswold Ter, Sterling, VA 20165
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 3 ba · 2,807 sqft · built 2001 |
| Owner | 2 Individual Names on Record |
| Last Sale | $385,000 (Nov 2008) |
| Tax Bill | $4,885 (2023) |
| Deeds & Mortgages | Nov 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 002-15-0139-003 |
| Primary APN | 002-15-0139-003 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 3 Stories |
| Building Area | 2,807 sqft Living Area |
| Gross Area | 3,168 sqft |
| 1st Floor Area | 1,056 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Architectural Style | Townhouse |
| Exterior Material | Brick/Stone |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Garage Type | Basement |
| Garage Area | 361 sqft |
| Deck Area | 96 sqft |
| Patio Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 20375 COTTSWOLD TER |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20165-5160 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PDH4 |
| Legal Description | MEDINAH HOMES PH.8 200811060066145 PC F-323-2 UNIT 74 |
| Legal Subdivision | MEDINAH HOMES |
| Legal Phase | 8 |
| Legal Unit | 74 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | Washington-Arlington-Alexandria, DC-VA-MD-WV |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 611208 |
Source: Loudoun County records, as of September 27, 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 20375 COTTSWOLD TER, STERLING, VA 20165-5160 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 6, 2008 · Amount on Record |
| Deed Sale | Nov 6, 2008 · Amount on Record |
| Prior Sale | Sep 4, 2001 · Amount on Record |
| Deed Document Number | 20081106066145 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20375 COTTSWOLD TER, STERLING, VA 20165-5160 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000111783 |
|---|---|
| Date | Nov 3, 2021 |
| Instrument | 202111030111783 |
| Name | COMMUNITY MORTGAGE GROUP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.88% |
Source: Loudoun County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | Virginia |
| County | Loudoun County |
| Unified School District | Loudoun County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $4,885.00 | $558,380 Land $200,000 Building $358,380 | $558,380 Land $200,000 Building $358,380 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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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