Loudoun County property record for 309 E Charlotte St, Sterling, VA 20164
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,687 sqft · built 1969 |
| Lot Size | 0.21 acres (9,147 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,000 (Dec 2003) |
| Tax Bill | $4,519 (2026) |
| Deeds & Mortgages | Jun 2021 Refinance Jun 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 014-45-9162-000 |
| Primary APN | 014-45-9162-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,687 sqft Living Area |
| 1st Floor Area | 912 sqft |
| Basement Area | 775 sqft |
| Finished Basement | 775 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Split Foyer |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,147 sqft (0.21 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 190 sqft |
| Deck Area | Deck Area |
| Patio Area | 408 sqft |
| Shed | 1 Shed |
| Shed Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 309 E CHARLOTTE ST |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20164-2312 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDH3 |
| Legal Description | STERLING PARK SEC.6 BLK.C LOT 1711 200312010156898 BROYHILLS ADDN |
| Legal Subdivision | BROYHILLS ADDN |
| Legal Block | C |
| Legal Lot Number | 1711 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | STERLING |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 611300 |
309 E Charlotte St is owned and occupied by two individuals who acquired it in June 2021.
Source: Loudoun County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 309 E CHARLOTTE ST, STERLING, VA 20164-2312 |
| 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 |
|---|---|
| Jun 30, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FIRST SAVINGS MORTGAGE CORPORATION |
| Jun 30, 2021 | Intrafamily Transfer, Transfer · Stand-Alone Refinance FIRST SAVINGS MORTGAGE CORPORATION |
| Dec 18, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 1, 2003 · Amount on File |
| Deed Sale | Dec 1, 2003 · Amount on File |
| Deed Document Number | 2003156989 |
| Last Transfer Date | Jun 25, 2021 |
| Transfer Doc | 0000071722 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 309 E CHARLOTTE ST, STERLING, VA 20164-2312 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000071723 |
|---|---|
| Date | Jun 30, 2021 |
| Instrument | 202106300071723 |
| Name | FIRST SAVINGS MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Jun 30, 2021 |
| Property Address | 309 E CHARLOTTE ST, STERLING, VA 20164-2312 |
| Document Number | 202106300071722 |
| Instrument Date | Jun 25, 2021 |
| Instrument | 202106300071722 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 309 E CHARLOTTE ST, STERLING, VA 20164-2312 |
| Document Number | 0000071723 |
|---|---|
| Date | Jun 30, 2021 |
| Instrument | 202106300071723 |
| Name | FIRST SAVINGS MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Dec 18, 2020 |
| Property Address | 309 E CHARLOTTE ST, STERLING, VA 20164-2312 |
| Document Number | 20201218125306 |
| Instrument Date | Dec 18, 2020 |
| Instrument | 125306 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2021 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 309 E CHARLOTTE ST STERLING VA 201642312, STERLING, VA 20164-2312 |
The 2026 property tax bill for 309 E Charlotte St was $4,519.
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 | $4,519.00 | $561,480 Land $233,800 Building $327,680 | $561,480 Land $233,800 Building $327,680 |
| 2023 | $4,265.00 | $487,520 Land $208,800 Building $278,720 | $487,520 Land $208,800 Building $278,720 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 309 E Charlotte St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1999.
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 |
| Nearby Flood Claims | 1 (1999) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 1999 · tidal / storm surge |
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 risk around 309 E Charlotte St is low, with less than 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 96% of the US · lower than 98% of Virginia |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 468 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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