404 Harding Ct, Sterling, VA 20164 Property Records

Loudoun County property record for 404 Harding Ct, Sterling, VA 20164

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,272 sqft · built 1974
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Aug 2015)
Tax Bill	$3,548 (2026)
Deeds & Mortgages	May 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`022-40-0952-000`

Property Details

APN / Parcel Number

Primary APN	`022-40-0952-000`
Alternative APN	`81 F5B 2716`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,272 sqft Living Area
1st Floor Area	1,272 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1995
Architectural Style	Duplex Single
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,227 sqft (0.12 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	80 sqft
Deck Area	Deck Area
Patio Area	308 sqft
Shed	1 Shed
Shed Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	404 HARDING CT
City	STERLING
State	VA
Zip	20164-2520
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	PDH3
Legal Description	STERLING PARK SEC.5 BLK.B LOT 2716 200805080027957 BROYHILLS ADDN
Legal Subdivision	BROYHILLS ADDN
Legal Block	B
Legal Lot Number	2716
Jurisdiction	LOUDOUN VA
Township / Civil Division	STERLING
Census Block Group	3
Census Block	3005
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	2 Individual Names on Record
Mailing Address	404 HARDING CT, STERLING, VA 20164-2520
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2015 · Amount on Record
Deed Sale	Aug 3, 2015 · Amount on Record
Prior Sale	May 8, 2008 · Amount on Record
Deed Book / Page	201508030 / 52333
Prior Transfer Date	Dec 17, 2007
Prior Transfer Doc	0000086881
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	404 HARDING CT, STERLING, VA 20164-2520
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000054124
Date	May 10, 2021
Instrument	202105100054124

Lender

Name	GEORGE MASON MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.25%

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	$3,548.00 (-0.34%)	$440,800 (+8.31%) Land $168,500 Building $272,300	$440,800 (+8.31%) Land $168,500 Building $272,300
2023	$3,560.00	$406,970 Land $163,500 Building $243,470	$406,970 Land $163,500 Building $243,470

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 95% of the US · lower than 97.5% 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 394 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 / 2,000