Loudoun County property record for 264 N Cottage Rd, Sterling, VA 20164
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 2.5 ba · 1,540 sqft · built 1974 |
| Lot Size | 0.06 acres (2,613 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (Jun 2009) |
| Tax Bill | $3,501 (2026) |
| Deeds & Mortgages | Dec 2022 Line of Credit Jun 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 012-38-6995-000 |
| Primary APN | 012-38-6995-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,540 sqft Living Area |
| 1st Floor Area | 770 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Townhouse |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 2,613 sqft (0.06 acres) |
| Deck Area | Deck Area |
|---|---|
| Patio Area | 152 sqft |
| Shed | 1 Shed |
| Shed Area | 36 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 264 N COTTAGE RD |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20164-1384 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PDH3 |
| Legal Description | SUGARLAND RUN S.5B L.298 201111300075085 200906220041303 |
| Legal Subdivision | SUGARLAND RUN |
| Legal Block | 2 |
| Legal Lot Number | 298 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | ALGONKIAN |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 611204 |
264 N Cottage Rd, a townhouse, is owned and occupied by an individual who bought it in June 2009.
Source: Loudoun County records, as of September 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 264 N COTTAGE RD, STERLING, VA 20164-1384 |
| 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.
| Date | Document |
|---|---|
| Dec 9, 2022 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Jun 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Mar 4, 2019 | Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BK |
| Mar 6, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 22, 2009 · Amount on File |
| Deed Sale | Jun 22, 2009 · Amount on File |
| Prior Sale | Apr 17, 2006 · Amount on File |
| Deed Document Number | 200941303 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 264 N COTTAGE RD, STERLING, VA 20164-1384 |
| Transaction Type | Mortgage |
| Record Updated | Dec 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000065493 |
|---|---|
| Date | Dec 9, 2022 |
| Instrument | 202212090065493 |
| Name | TD BANK NA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2052 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 264 N COTTAGE RD, STERLING, VA 20164-1384 |
| Document Number | 20200624048612 |
| Instrument Date | Jun 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 264 N COTTAGE RD STERLING VA 201641384, STERLING, VA 20164-1384 |
| Document Number | 20200624048612 |
|---|---|
| Date | Jun 24, 2020 |
| Instrument | 48612 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 23, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.99% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 264 N COTTAGE RD, STERLING, VA 20164-1384 |
| Document Number | 20190308011084 |
| Instrument Date | Mar 4, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2019 |
| Name | Verified Name |
|---|---|
| Address | 264 N COTTAGE RD STERLING VA 201641384, STERLING, VA 20164-1384 |
| Document Number | 20190308011084 |
|---|---|
| Date | Mar 8, 2019 |
| Instrument | 11084 |
| Name | DISCOVER BK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 7, 2029 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 264 N COTTAGE RD, STERLING, VA 20164-1384 |
| Document Number | 20170308014445 |
| Instrument Date | Mar 6, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2017 |
| Name | Verified Name |
|---|---|
| Address | 264 N COTTAGE RD STERLING VA 201641384, STERLING, VA 20164-1384 |
| Document Number | 20170308014445 |
|---|---|
| Date | Mar 8, 2017 |
| Instrument | 14445 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 7, 2047 |
| Rate | 4.37% |
|---|
The 2026 property tax bill for 264 N Cottage Rd was $3,501.
Source: Loudoun County assessment roll, as of September 18, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Loudoun County |
| Unified School District | Loudoun County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,501.00 | $434,980 Land $140,000 Building $294,980 | $434,980 Land $140,000 Building $294,980 |
| 2023 | $3,194.00 | $365,080 Land $130,000 Building $235,080 | $365,080 Land $130,000 Building $235,080 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 264 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 risk around 264 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.
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 |
| 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.
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 |
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