20587 Cutwater Pl, Sterling, VA 20165 Property Records

Loudoun County property record for 20587 Cutwater Pl, Sterling, VA 20165

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,626 sqft · built 1994
Lot Size	0.26 acres (11,325 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,295 (2026)
Deeds & Mortgages	Jul 2021 Refinance May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`018-37-5243-000`

Property Details

APN / Parcel Number

Primary APN	`018-37-5243-000`
Alternative APN	`81 R 4 97`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	3,626 sqft Living Area
1st Floor Area	1,370 sqft
Basement Area	430 sqft
Finished Basement	430 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,325 sqft (0.26 acres)
Garage Type	Attached
Garage Area	400 sqft

Exterior Amenities

Porch	Porch
Porch Area	70 sqft
Deck Area	Deck Area
Patio Area	870 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	20587 CUTWATER PL
City	STERLING
State	VA
Zip	20165-7345
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDH4
Legal Description	POTOMAC LAKES SEC.2C LOT 97 1289--709
Legal Subdivision	POTOMAC LAKE
Legal Block	2
Legal Lot Number	97
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	2
Census Block	2005
Census Tract	611206

Owner

Source: Loudoun County records, as of September 18, 2026

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	20587 CUTWATER PL, STERLING, VA 20165-7345
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MR COOPER
May 10, 2017	Deed of Trust, Mortgage · Line of Credit ACCESS NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	20587 CUTWATER PL, STERLING, VA 20165-7345
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000081941
Date	Jul 30, 2021
Instrument	202107300081941

Lender

Name	MR COOPER

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	20587 CUTWATER PL, STERLING, VA 20165-7345
Document Number	20170515029066
Instrument Date	May 10, 2017
Transaction Type	Mortgage
Record Updated	May 22, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20587 CUTWATER PL STERLING VA 201657345, STERLING, VA 20165-7345

Mortgage

Document Number	20170515029066
Date	May 15, 2017
Instrument	29066

Lender

Name	ACCESS NAT'L BK
Type	Bank
Address	RESTON, VA 20191

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$7,295.00 (+2.39%)	$906,240 (+11.29%) Land $280,100 Building $626,140	$906,240 (+11.29%) Land $280,100 Building $626,140
2023	$7,125.00	$814,340 Land $240,100 Building $574,240	$814,340 Land $240,100 Building $574,240

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2009)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2009 · 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	Direct burnable vegetation

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 220 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

May also be available: T-Mobile.

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