405 Gary Ct, Sterling, VA 20164 Property Records

Loudoun County property record for 405 Gary Ct, Sterling, VA 20164

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,420 sqft · built 1986
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Aug 2002)
Tax Bill	$5,629 (2026)
Deeds & Mortgages	Apr 2021 Refinance May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`015-36-2184-000`

Property Details

APN / Parcel Number

Primary APN	`015-36-2184-000`
Alternative APN	`81 H 5 216`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	2,420 sqft Living Area
1st Floor Area	1,188 sqft
Basement Area	1,188 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	Brick/Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	480 sqft

Exterior Amenities

Porch	Screened Porch
Porch Area	182 sqft
Deck Area	Deck Area
Patio Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	405 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 216 2236--1158
Legal Subdivision	SPRING GROVE FARM
Legal Block	3
Legal Lot Number	216
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	2 Individual Names on Record
Mailing Address	405 GARY CT, STERLING, VA 20164-1947
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS LLC
May 22, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA CALIFORNIA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2002 · Amount on Record
Deed Sale	Aug 12, 2002 · Amount on Record
Prior Sale	Jul 2, 1997 · Amount on Record
Deed Book / Page	2236 / 1158
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	405 GARY CT, STERLING, VA 20164-1947
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000050484
Date	Apr 30, 2021
Instrument	202104300050484

Lender

Name	QUICKEN LOANS LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	2.99%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	405 GARY CT, STERLING, VA 20164-1947
Document Number	20170601032876
Instrument Date	May 22, 2017
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	CALIF. TITLE REPORTING SERVICE, UMERICA TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 GARY CT STERLING VA 201641947, STERLING, VA 20164-1947

Mortgage

Document Number	20170601032876
Date	Jun 1, 2017
Instrument	32876

Lender

Name	BANK OF AMERICA CALIFORNIA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 31, 2047

Interest

Rate Type	Adjustable 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	$5,629.00 (+5.41%)	$699,350 (+14.58%) Land $235,000 Building $464,350	$699,350 (+14.58%) Land $235,000 Building $464,350
2023	$5,340.00	$610,350 Land $225,000 Building $385,350	$610,350 Land $225,000 Building $385,350

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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