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284 N Cottage Rd, Sterling, VA 20164 Property Records

Loudoun County property record for 284 N Cottage Rd, Sterling, VA 20164

Property Summary

Property TypeTownhouse
Details3 bd · 2.5 ba · 1,760 sqft · built 1974
Lot Size0.08 acres (3,484 sqft)
Owner2 Individual Names on File
Last Sale$415,000 (Jun 2021)
Tax Bill$3,810 (2026)
Deeds & MortgagesJun 2021 Sale & Mortgage
Dec 2020 Sale
Flood ZoneZone X (minimal risk)
APN012-38-7965-000

Property Details

APN / Parcel Number

Primary APN012-38-7965-000
Alternative APN
  • 82 A5B 288

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures8 Plumbing Fixtures
Total Rooms7 Rooms
Stories2 Stories
Building Area1,760 sqft Living Area
1st Floor Area836 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 2000
Architectural StyleTownhouse
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Roof TypeGable
Roof MaterialAsphalt
Lot Area3,484 sqft (0.08 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas

Location & Zoning

Street Address284 N COTTAGE RD
CitySTERLING
StateVA
Zip20164-1385
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodePDH3
Legal DescriptionSUGARLAND RUN S.5B L.288 201107210043620 1000--1205
Legal SubdivisionSUGARLAND RUN
Legal Block2
Legal Lot Number288
JurisdictionLOUDOUN VA
Township / Civil DivisionALGONKIAN
Census Block Group2
Census Block2000
Census Tract611204

Owner

284 N Cottage Rd, a townhouse, is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record2 Individual Names on File
Mailing Address284 N COTTAGE RD, STERLING, VA 20164-1385
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jun 24, 2021Warranty Deed, Transfer · FHA Mortgage
FIRST HERITAGE MORTGAGE LLC
Dec 1, 2020Warranty Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 24, 2021 · Amount on File
Deed SaleJun 24, 2021 · Amount on File
Prior SaleDec 1, 2020 · Amount on File
Deed Document Number202169875
Record UpdatedOct 29, 2026

June 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLOUDOUN VA
Recording DateJun 24, 2021
Property Address284 N COTTAGE RD, STERLING, VA 20164-1385
Document Number0000069875
Instrument DateJun 22, 2021
Instrument202106240069875
Transaction TypeTransfer
Record UpdatedSep 6, 2022
Title CompanyNOT AVAILABLE, PSR LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address284 N COTTAGE RD, STERLING, VA 20164-1385

Mortgage

Document Number0000069876
DateJun 24, 2021
Instrument202106240069876
Lender
NameFIRST HERITAGE MORTGAGE LLC
Agreement
TypeFHA Mortgage
AmountAmount on Record
Interest
Rate TypeFixed Rate

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLOUDOUN VA
Recording DateDec 1, 2020
Property Address284 N COTTAGE RD, STERLING, VA 20164-1385
Document Number20201201117234
Instrument DateNov 25, 2020
Instrument117234
Transaction TypeTransfer
Record UpdatedJan 5, 2021
Title CompanyNOT AVAILABLE

Transaction

AmountAmount on Record
Tax$215.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address6707 NORVIEW CT SPRINGFIELD VA 221523055, SPRINGFIELD, VA 22152-3055

Tax Assessment & Valuation

The 2026 property tax bill for 284 N Cottage Rd was $3,810.

Source: Loudoun County assessment roll, as of September 18, 2026

Property Jurisdictions

TypeName
StateVirginia
CountyLoudoun County
Unified School DistrictLoudoun County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$3,810.00$473,400 Land $140,000 Building $333,400$473,400 Land $140,000 Building $333,400
2023$3,455.00$394,900 Land $130,000 Building $264,900$394,900 Land $130,000 Building $264,900

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

Flood

FEMA maps place 284 N Cottage Rd in Zone X, an area of minimal flood risk.

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

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

Wildfire

Wildfire risk around 284 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 RiskLow
lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemLOUDOUN WATER - CENTRAL SYSTEM
serves 334,808 people · EPA ID VA6107350
Water SourceSurface water
Last State InspectionFeb 2024
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax Down / Up (Mbps)
Verizon
Fiber		2,300 / 2,300
Xfinity
Cable		2,000 / 250

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