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286 N Cottage Rd, Sterling, VA 20164 Property Records

Loudoun County property record for 286 N Cottage Rd, Sterling, VA 20164

Property Summary

Property TypeTownhouse
Details4 bd · 2.5 ba · 1,678 sqft · built 1974
Lot Size0.1 acres (4,356 sqft)
OwnerIndividual Name on Record
Last Sale$179,900 (Feb 2003)
Tax Bill$3,665 (2026)
Deeds & MortgagesJun 2023 Line of Credit
May 2023 Refinance
Flood ZoneZone X (minimal risk)
APN012-38-7963-000

Property Details

APN / Parcel Number

Primary APN012-38-7963-000
Alternative APN
  • 82 A5B 287

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures8 Plumbing Fixtures
Total Rooms7 Rooms
Stories2 Stories
Building Area1,678 sqft Living Area
1st Floor Area836 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 2000
Architectural StyleTownhouse
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area4,356 sqft (0.1 acres)

Exterior Amenities

PorchOpen Porch
Porch Area24 sqft
Shed1 Shed
Shed Area48 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas

Location & Zoning

Street Address286 N COTTAGE RD
CitySTERLING
StateVA
Zip20164-1385
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodePDH3
Legal DescriptionSUGARLAND RUN S.5B L.287 200612130103578 D/G 200410250114095 D/G 200302280017155
Legal SubdivisionSUGARLAND RUN
Legal Block2
Legal Lot Number287
JurisdictionLOUDOUN VA
Township / Civil DivisionALGONKIAN
Census Block Group2
Census Block2000
Census Tract611204

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address286 N COTTAGE RD, STERLING, VA 20164-1385
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 9, 2023Deed of Trust, Mortgage · Line of Credit
TRUIST BANK
May 3, 2023Intrafamily Transfer, Transfer · Stand-Alone Refinance
UNITED WHOLESALE MORTGAGE LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 28, 2003 · Amount on Record
Deed SaleFeb 28, 2003 · Amount on Record
Prior SaleAug 30, 2001 · Amount on Record
Deed Document Number200317155
Last Transfer DateApr 28, 2023
Transfer Doc0000016508
Record UpdatedOct 29, 2026

June 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLOUDOUN VA
Property Address286 N COTTAGE RD, STERLING, VA 20164-1385
Transaction TypeMortgage
Record UpdatedMay 8, 2026
Title CompanyLENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000022080
DateJun 9, 2023
Instrument202306090022080
Lender
NameTRUIST BANK
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

May 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionLOUDOUN VA
Recording DateMay 3, 2023
Property Address286 N COTTAGE RD, STERLING, VA 20164-1385
Document Number0000016508
Instrument DateApr 28, 2023
Instrument202305030016508
Transaction TypeTransfer
Record UpdatedMay 24, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address286 N COTTAGE RD, STERLING, VA 20164-1385

Mortgage

Document Number0000016509
DateMay 3, 2023
Instrument202305030016509
Lender
NameUNITED WHOLESALE MORTGAGE LLC
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term361 Months
DueJun 1, 2053
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

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$3,665.00 (+10.26%)$455,330 (+19.85%) Land $143,500 Building $311,830$455,330 (+19.85%) Land $143,500 Building $311,830
2023$3,324.00$379,920 Land $133,500 Building $246,420$379,920 Land $133,500 Building $246,420

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

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

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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