Loudoun County property record for 403 E Charlotte St, Sterling, VA 20164
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,150 sqft · built 1969 |
| Lot Size | 0.21 acres (9,147 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $439,900 (Feb 2020) |
| Tax Bill | $4,583 (2026) |
| Deeds & Mortgages | Feb 2020 Sale & Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 014-46-0766-000 |
| Primary APN | 014-46-0766-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,150 sqft Living Area |
| 1st Floor Area | 1,118 sqft |
| Basement Area | 1,032 sqft |
| Finished Basement | 1,032 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,147 sqft (0.21 acres) |
| Porch | Porch |
|---|---|
| Porch Area | 168 sqft |
| Deck Area | Deck Area |
| Patio Area | 240 sqft |
| Shed | 1 Shed |
| Shed Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 403 E CHARLOTTE ST |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20164-2314 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDH3 |
| Legal Description | STERLING PARK SEC.6 BLK.C LOT 1713 202104140043947NMCHG, 200810010059582 BROYHILLS ADDN |
| Legal Subdivision | BROYHILLS ADDN |
| Legal Block | C |
| Legal Lot Number | 1713 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | STERLING |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 611300 |
403 E Charlotte St is owned and occupied by two individuals who bought it in February 2020.
Source: Loudoun County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 403 E CHARLOTTE ST, STERLING, VA 20164-2314 |
| 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 |
|---|---|
| Feb 27, 2020 | Warranty Deed, Transfer · Conventional with PMI PROSPERITY HM MTG |
| Aug 20, 2018 | Warranty Deed, Transfer · Conventional with PMI FIRST HM MTG CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 27, 2020 · Amount on File |
| Deed Sale | Feb 27, 2020 · Amount on File |
| Prior Sale | Aug 20, 2018 · Amount on File |
| Deed Document Number | 202013586 |
| Prior Transfer Date | Jan 9, 2016 |
| Prior Transfer Doc | 0000018906 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Feb 27, 2020 |
| Property Address | 403 E CHARLOTTE ST, STERLING, VA 20164-2314 |
| Document Number | 20200227013586 |
| Instrument Date | Feb 27, 2020 |
| Instrument | 13586 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $440.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 403 E CHARLOTTE ST STERLING VA 201642314, STERLING, VA 20164-2314 |
| Document Number | 20200227013587 |
|---|---|
| Date | Feb 27, 2020 |
| Instrument | 13587 |
| Name | PROSPERITY HM MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 26, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Aug 20, 2018 |
| Property Address | 403 E CHARLOTTE ST, STERLING, VA 20164-2314 |
| Document Number | 20180820048560 |
| Instrument Date | Aug 17, 2018 |
| Instrument | 48560 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $415.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 403 E CHARLOTTE ST STERLING VA 201642314, STERLING, VA 20164-2314 |
| Document Number | 20180820048561 |
|---|---|
| Date | Aug 20, 2018 |
| Instrument | 48561 |
| Name | FIRST HM MTG CORP |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 403 E Charlotte St was $4,583.
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 | $4,583.00 | $569,380 Land $233,800 Building $335,580 | $569,380 Land $233,800 Building $335,580 |
| 2023 | $4,254.00 | $486,220 Land $208,800 Building $277,420 | $486,220 Land $208,800 Building $277,420 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 403 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 403 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 98% of the US · lower than 99% 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.
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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