31 Rutherford Cir, Sterling, VA 20165 Property Records

Loudoun County property record for 31 Rutherford Cir, Sterling, VA 20165

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,080 sqft · built 1986
Lot Size	0.21 acres (9,147 sqft)
Owner	2 Individual Names on File
Last Sale	$790,000 (Jun 2021)
Tax Bill	$7,251 (2026)
Deeds & Mortgages	Sep 2025 Line of Credit Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`018-46-8515-000`

Property Details

APN / Parcel Number

Primary APN	`018-46-8515-000`
Alternative APN	`64A4 5 108`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	3,080 sqft Living Area
1st Floor Area	1,202 sqft
Basement Area	1,322 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,147 sqft (0.21 acres)
Garage Type	Attached
Garage Area	552 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	280 sqft
Deck Area	Deck Area
Patio Area	544 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	31 RUTHERFORD CIR
City	STERLING
State	VA
Zip	20165-6221
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDH3
Legal Description	COUNTRYSIDE SEC.5D LOT 108 201002180008964 D/C 200712190086703 D/G 1088--1140
Legal Subdivision	COUNTRYSIDE
Legal Block	3
Legal Lot Number	108
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	3
Census Block	3000
Census Tract	611102

Owner

31 Rutherford Cir is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	31 RUTHERFORD CIR, STERLING, VA 20165-6221
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jun 14, 2021	Warranty Deed, Transfer · Conventional Mortgage MCLEAN MORTGAGE CORPORATION
Jul 7, 2017	Deed of Trust, Mortgage · Line of Credit TOWER FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2021 · Amount on File
Deed Sale	Jun 14, 2021 · Amount on File
Deed Document Number	202166235
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	31 RUTHERFORD CIR, STERLING, VA 20165-6221
Transaction Type	Mortgage
Record Updated	Oct 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 RUTHERFORD CIR, STERLING, VA 20165-6221

Mortgage

Document Number	0000045450
Date	Sep 19, 2025
Instrument	20250919-0045450

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Oct 1, 2065

Interest

Rate Type	Adjustable Rate
Rate	2.25%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Jun 14, 2021
Property Address	31 RUTHERFORD CIR, STERLING, VA 20165-6221
Document Number	202106140066235
Instrument Date	Jun 10, 2021
Instrument	202106140066235
Transaction Type	Transfer
Record Updated	Jul 7, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 RUTHERFORD CIR, STERLING, VA 20165-6221

Mortgage

Document Number	202106140066236
Date	Jun 14, 2021
Instrument	202106140066236

Lender

Name	MCLEAN MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	31 RUTHERFORD CIR, STERLING, VA 20165-6221
Document Number	20170731046942
Instrument Date	Jul 7, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170731046942
Date	Jul 31, 2017
Instrument	46942

Lender

Name	TOWER FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	444 Months
Due	Jul 30, 2054

Interest

Rate Type	Adjustable Rate
Rate	7%

Tax Assessment & Valuation

The 2026 property tax bill for 31 Rutherford Cir was $7,251.

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	$7,251.00	$900,780 Land $258,800 Building $641,980	$900,780 Land $258,800 Building $641,980
2023	$7,167.00	$819,100 Land $258,800 Building $560,300	$819,100 Land $258,800 Building $560,300

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

Flood

FEMA maps place 31 Rutherford Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	6 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 31 Rutherford Cir 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 220 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

May also be available: T-Mobile.

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