20377 Cottswold Ter, Sterling, VA 20165 Property Records

Loudoun County property record for 20377 Cottswold Ter, Sterling, VA 20165

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,778 sqft · built 2001
Owner	Individual Name on Record
Last Sale	$700,000 (May 2026)
Tax Bill	$5,260 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`002-15-0139-002`

Property Details

APN / Parcel Number

Primary APN	`002-15-0139-002`
Alternative APN	`82 G12P8 73`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	3 Stories
Building Area	2,778 sqft Living Area
1st Floor Area	926 sqft
Basement Area	716 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Townhouse
Exterior Material	Brick/Stone
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Garage Type	Basement
Garage Area	420 sqft
Deck Area	Deck Area
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	20377 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.8 UNIT 73 200508120090483
Legal Subdivision	MEDINAH HOMES PH.8
Legal Phase	8
Legal Block	1
Legal Unit	73
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	1
Census Block	1006
Census Tract	611208

Owner

Source: Loudoun County records, as of June 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	20377 COTTSWOLD TER, 73, STERLING, VA 20165-5160
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2026	Deed, Transfer · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Oct 17, 2023	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2026 · Amount on Record
Deed Sale	May 27, 2026 · Amount on Record
Prior Sale	Oct 17, 2023 · Amount on Record
Deed Document Number	202627246
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LOUDOUN VA
Recording Date	May 27, 2026
Property Address	20377 COTTSWOLD TER, STERLING, VA 20165-5160
Document Number	0000027246
Instrument Date	May 14, 2026
Instrument	202627246
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$70,700.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027247,
Date	May 27, 2026
Instrument	202627247

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	340 Months
Due	Sep 1, 2054

Interest

Rate	6.3%
Max Rate	-1%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Oct 17, 2023
Property Address	20377 COTTSWOLD TER, STERLING, VA 20165-5160
Document Number	0000041709
Instrument Date	Sep 29, 2023
Instrument	202310170041709
Transaction Type	Transfer
Record Updated	Nov 8, 2023
Title Company	VESTA SETTLEMENTS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20377 COTTSWOLD TER, STERLING, VA 20165-5160

Mortgage

Document Number	0000041710
Date	Oct 17, 2023
Instrument	202310170041710

Lender

Name	WATERSTONE MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Loudoun County assessment roll, as of August 11, 2025

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
2025	$5,260.00 (+4.89%)	$653,470 (+14.01%) Land $200,000 Building $453,470	$653,470 (+14.01%) Land $200,000 Building $453,470
2023	$5,015.00	$573,180 Land $200,000 Building $373,180	$573,180 Land $200,000 Building $373,180

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

Flood

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.

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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