228 N Cottage Rd, Sterling, VA 20164 Property Records

Loudoun County property record for 228 N Cottage Rd, Sterling, VA 20164

Property Summary

Property Type	Townhouse
Details	3 bd · 2 ba · 1,496 sqft · built 1973
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (May 2017)
Tax Bill	$3,642 (2026)
Deeds & Mortgages	May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012-48-3704-000`

Property Details

APN / Parcel Number

Primary APN	`012-48-3704-000`
Alternative APN	`82 A5A 114`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,496 sqft Living Area
1st Floor Area	782 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2000
Architectural Style	Townhouse
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,534 sqft (0.15 acres)

Exterior Amenities

Porch	Porch
Porch Area	24 sqft
Deck Area	Deck Area
Patio Area	178 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	228 N COTTAGE RD
City	STERLING
State	VA
Zip	20164-1334
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PDH3
Legal Description	SUGARLAND RUN SEC.5A LOT 114 200505130047869 D/C 200303240033284
Legal Subdivision	SUGARLAND RUN
Legal Block	2
Legal Lot Number	114
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	2
Census Block	2000
Census Tract	611204

Owner

228 N Cottage Rd, a townhouse, is owned and occupied by an individual who bought it in May 2017.

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

Owner of Record	Individual Name on File
Mailing Address	228 N COTTAGE RD, STERLING, VA 20164-1334
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2017 · Amount on File
Deed Sale	May 22, 2017 · Amount on File
Prior Sale	Oct 9, 2013 · Amount on File
Deed Document Number	201730351
Record Updated	Oct 29, 2026

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	May 22, 2017
Property Address	228 N COTTAGE RD, STERLING, VA 20164-1334
Document Number	20170522030351
Instrument Date	May 18, 2017
Instrument	30351
Transaction Type	Transfer
Record Updated	May 26, 2017
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$265.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	228 N COTTAGE RD STERLING VA 201641334, STERLING, VA 20164-1334

Mortgage

Document Number	20170522030352
Date	May 22, 2017
Instrument	30352

Lender

Name	ACOPIA CAP
Type	Funding / Finance Company
Address	GOODLETTSVILLE, TN 37072

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 21, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 228 N Cottage Rd was $3,642.

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	$3,642.00	$452,510 Land $143,500 Building $309,010	$452,510 Land $143,500 Building $309,010
2023	$3,325.00	$380,060 Land $133,500 Building $246,560	$380,060 Land $133,500 Building $246,560

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

Flood

FEMA maps place 228 N Cottage Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 15, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 228 N Cottage Rd 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	None beyond ember reach

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 625 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