400 Gary Ct, Sterling, VA 20164 Property Records

Loudoun County property record for 400 Gary Ct, Sterling, VA 20164

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,894 sqft · built 1986
Lot Size	0.25 acres (10,890 sqft)
Owner	Company Name on Record
Last Sale	$485,000 (Oct 2018)
Tax Bill	$5,638 (2026)
Deeds & Mortgages	Apr 2022 Sale Feb 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`015-36-4786-000`

Property Details

APN / Parcel Number

Primary APN	`015-36-4786-000`
Alternative APN	`81 H 5 220`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	2,894 sqft Living Area
1st Floor Area	896 sqft
Basement Area	730 sqft
Finished Basement	730 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2001
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	440 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	48 sqft
Deck Area	Deck Area
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	400 GARY CT
City	STERLING
State	VA
Zip	20164-1947
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	SPRING GROVE FARM SEC.1C LOT 220 1545--1741 D/G,1501--1143
Legal Subdivision	SPRING GROVE FARM
Legal Block	3
Legal Lot Number	220
Jurisdiction	LOUDOUN VA
Township / Civil Division	STERLING
Census Block Group	3
Census Block	3001
Census Tract	611400

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 Record	Company Name on Record
Mailing Address	17109 MAGIC MOUNTAIN DR, ROUND HILL, VA 20141-4405
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2022	Deed, Transfer
Feb 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE AFFINITY LLC
Oct 15, 2018	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2018 · Amount on Record
Deed Sale	Oct 15, 2018 · Amount on Record
Prior Sale	Jan 12, 1998
Deed Document Number	201860036
Record Updated	Oct 29, 2026

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	LOUDOUN VA
Recording Date	Apr 29, 2022
Property Address	400 GARY CT, STERLING, VA 20164-1947
Document Number	0000025811
Instrument Date	Apr 28, 2022
Instrument	202204290025811
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40494 OCONNORS CIR, LEESBURG, VA 20175-7520

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	400 GARY CT, STERLING, VA 20164-1947
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019443
Date	Feb 17, 2021
Instrument	202102170019443

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Oct 15, 2018
Property Address	400 GARY CT, STERLING, VA 20164-1947
Document Number	20181015060036
Instrument Date	Oct 11, 2018
Instrument	60036
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$485.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 GARY CT STERLING VA 201641947, STERLING, VA 20164-1947

Mortgage

Document Number	20181015060037
Date	Oct 15, 2018
Instrument	60037

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$5,638.00 (+6.68%)	$700,410 (+15.95%) Land $235,000 Building $465,410	$700,410 (+15.95%) Land $235,000 Building $465,410
2023	$5,285.00	$604,060 Land $225,000 Building $379,060	$604,060 Land $225,000 Building $379,060

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 · 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	5 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 98.4% of Virginia
Wildfire Likelihood	Under 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.

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 369 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Cox Communications Cable	2,000 / 35

May also be available: Xfinity.

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