20389 Cottswold Ter, Sterling, VA 20165 Property Records

Loudoun County property record for 20389 Cottswold Ter, Sterling, VA 20165

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 2,464 sqft · built 2001
Owner	Individual Name on File
Last Sale	$422,500 (Dec 2010)
Tax Bill	$5,238 (2026)
Deeds & Mortgages	Aug 2023 Second Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`002-15-0124-001`

Property Details

APN / Parcel Number

Primary APN	`002-15-0124-001`
Alternative APN	`82 G12P7 68`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	2,464 sqft Living Area
1st Floor Area	968 sqft
Basement Area	516 sqft
Finished Basement	516 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Townhouse
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Garage Type	Basement
Garage Area	440 sqft
Deck Area	Deck Area
Patio Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	20389 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.7 UNIT 68 20101230084474
Legal Subdivision	MEDINAH HOMES PH.7
Legal Phase	7
Legal Block	1
Legal Unit	68
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	1
Census Block	1006
Census Tract	611208

Owner

20389 Cottswold Ter, a condominium, is owned and occupied by an individual who acquired it in November 2020.

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

Owner of Record	Individual Name on File
Mailing Address	20389 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.

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TD BANK NA
Dec 4, 2020	Quit Claim Deed, Transfer SWBC MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2010 · Amount on File
Deed Sale	Dec 30, 2010 · Amount on File
Prior Sale	Mar 7, 2003 · Amount on File
Deed Document Number	201084474
Last Transfer Date	Nov 17, 2020
Transfer Doc	0000118449
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	20389 COTTSWOLD TER, STERLING, VA 20165-5160
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033917
Date	Aug 24, 2023
Instrument	202308240033917

Lender

Name	TD BANK NA

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 9, 2053

Interest

Rate Type	Fixed Rate

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOUDOUN VA
Recording Date	Dec 4, 2020
Property Address	20389 COTTSWOLD TER, STERLING, VA 20165-5160
Document Number	20201204118449
Instrument Date	Nov 17, 2020
Instrument	118449
Transaction Type	Transfer
Record Updated	Jan 5, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20389 COTTSWOLD TER STERLING VA 201655160, STERLING, VA 20165-5160

Mortgage

Document Number	20201204118450
Date	Dec 4, 2020
Instrument	118450

Lender

Name	SWBC MTG
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 3, 2050

Interest

Rate Type	Fixed Rate
Rate	3.38%

Tax Assessment & Valuation

The 2026 property tax bill for 20389 Cottswold Ter was $5,238.

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	$5,238.00	$650,760 Land $203,500 Building $447,260	$650,760 Land $203,500 Building $447,260
2023	$4,759.00	$543,950 Land $203,500 Building $340,450	$543,950 Land $203,500 Building $340,450

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

Flood

FEMA maps place 20389 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

Wildfire risk around 20389 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.

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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