406 Gary Ct, Sterling, VA 20164 Property Records

Loudoun County property record for 406 Gary Ct, Sterling, VA 20164

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,200 sqft · built 1986
Lot Size	0.25 acres (10,890 sqft)
Owner	Company Name on Record
Tax Bill	$5,494 (2026)
Deeds & Mortgages	Dec 2023 Transfer Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`015-36-2293-000`

Property Details

APN / Parcel Number

Primary APN	`015-36-2293-000`
Alternative APN	`81 H 5 217`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	2,200 sqft Living Area
1st Floor Area	896 sqft
Basement Area	1,036 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	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	208 sqft
Deck Area	Deck Area
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	406 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 217 200707030050556 1120--1297
Legal Subdivision	SPRING GROVE FARM
Legal Block	3
Legal Lot Number	217
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 18, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	406 GARY CT, STERLING, VA 20164-1947
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2023	Intrafamily Transfer, Transfer
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST MTG SOLUTIONS

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 15, 2023
Transfer Doc	0000050416
Record Updated	Oct 29, 2026

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LOUDOUN VA
Recording Date	Dec 19, 2023
Property Address	406 GARY CT, STERLING, VA 20164-1947
Document Number	0000050416
Instrument Date	Dec 15, 2023
Instrument	202312190050416
Transaction Type	Transfer
Record Updated	Jan 3, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 GARY CT, STERLING, VA 20164-1947

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	406 GARY CT, STERLING, VA 20164-1947
Document Number	20201030103869
Instrument Date	Oct 26, 2020
Transaction Type	Mortgage
Record Updated	Dec 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 GARY CT STERLING VA 201641947, STERLING, VA 20164-1947

Mortgage

Document Number	20201030103869
Date	Oct 30, 2020
Instrument	103869

Lender

Name	FIRST MTG SOLUTIONS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 29, 2035

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	$5,494.00 (+5.61%)	$682,540 (+14.8%) Land $235,000 Building $447,540	$682,540 (+14.8%) Land $235,000 Building $447,540
2023	$5,202.00	$594,570 Land $225,000 Building $369,570	$594,570 Land $225,000 Building $369,570

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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