245 N Cottage Rd, Sterling, VA 20164 Property Records

Loudoun County property record for 245 N Cottage Rd, Sterling, VA 20164

Property Summary

Property Type	Townhouse
Details	3 bd · 2 ba · 1,496 sqft · built 1976
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on File
Last Sale	$276,000 (Aug 2013)
Tax Bill	$3,650 (2026)
Deeds & Mortgages	Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012-38-9860-000`

Property Details

APN / Parcel Number

Primary APN	`012-38-9860-000`
Alternative APN	`82 A5B 498`

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 1976
Effective Year Built	Effective 2000
Architectural Style	Townhouse
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,356 sqft (0.1 acres)

Exterior Amenities

Porch	Porch
Porch Area	24 sqft
Deck Area	Deck Area
Patio Area	218 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	245 N COTTAGE RD
City	STERLING
State	VA
Zip	20164-1336
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PDH3
Legal Description	SUGARLAND RUN S.5B L.498 200706060042513
Legal Subdivision	SUGARLAND RUN
Legal Block	3
Legal Lot Number	498
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	3
Census Block	3000
Census Tract	611204

Owner

245 N Cottage Rd, a townhouse, is owned by two individuals who bought it in August 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	23297 SOUTHDOWN MANOR TER, 109, ASHBURN, VA 20148-8124
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	2 Names on Deed
Last Sale	Aug 20, 2013 · Amount on File
Deed Sale	Aug 20, 2013 · Amount on File
Prior Sale	Jun 6, 2007 · Amount on File
Deed Document Number	201369414
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	245 N COTTAGE RD, STERLING, VA 20164-1336
Document Number	20200131006871
Instrument Date	Jan 27, 2020
Transaction Type	Mortgage
Record Updated	Feb 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 N COTTAGE RD STERLING VA 201641336, STERLING, VA 20164-1336

Mortgage

Document Number	20200131006871
Date	Jan 31, 2020
Instrument	6871

Lender

Name	HOMESIDE FIN'L

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 30, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 245 N Cottage Rd was $3,650.

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	$3,650.00	$453,440 Land $143,500 Building $309,940	$453,440 Land $143,500 Building $309,940
2023	$3,332.00	$380,890 Land $133,500 Building $247,390	$380,890 Land $133,500 Building $247,390

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

Flood

FEMA maps place 245 N Cottage Rd in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force

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 245 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