41199 Cotter Ct, Waterford, VA 20197 Property Records

Loudoun County property record for 41199 Cotter Ct, Waterford, VA 20197

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 7,510 sqft · built 2010
Lot Size	3.3 acres (143,748 sqft)
Owner	2 Company Names on Record
Last Sale	$1,600,000 (Apr 2026)
Tax Bill	$11,704 (2026)
Deeds & Mortgages	Jun 2026 Sale Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`263-20-9084-000`

Property Details

APN / Parcel Number

Primary APN	`263-20-9084-000`
Alternative APN	`29 18 99`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	7,510 sqft Living Area
1st Floor Area	1,675 sqft
Basement Area	2,607 sqft
Finished Basement	2,607 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Colonial
Exterior Material	Brick/Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	143,748 sqft
Garage Type	Attached
Garage Area	759 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	117 sqft
Deck Area	Deck Area
Patio Area	2,342 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	41199 COTTER CT
City	WATERFORD
State	VA
Zip	20197-1279
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR1
Legal Description	WATERFORD RIDGE S.2 PH.2 LOT 99 201007160041622
Legal Subdivision	WATERFORD RIDGE
Legal Phase	2
Legal Block	3
Legal Lot Number	99
Jurisdiction	LOUDOUN VA
Township / Civil Division	CATOCTIN
Census Block Group	3
Census Block	3009
Census Tract	610300

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 Company Names on Record
Mailing Address	41199 COTTER CT, WATERFORD, VA 20197-1279
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE
Apr 10, 2026	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2026 · Amount on Record
Deed Sale	Apr 10, 2026 · Amount on Record
Prior Sale	Jul 16, 2010 · Amount on Record
Deed Document Number	202617928
Last Transfer Date	Jun 16, 2026
Transfer Doc	0000031002
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LOUDOUN VA
Recording Date	Jun 16, 2026
Property Address	41199 COTTER CT, WATERFORD, VA 20197-1279
Document Number	0000031002
Instrument Date	Jun 16, 2026
Instrument	202631002
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	41199 COTTER CT, WATERFORD, VA 20197-1279
Investor	Possibly a Property Investor

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LOUDOUN VA
Recording Date	Apr 10, 2026
Property Address	41199 COTTER CT, WATERFORD, VA 20197-1279
Document Number	0000017928
Instrument Date	Apr 9, 2026
Instrument	202617928
Transaction Type	Transfer
Record Updated	Apr 22, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$161,600.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	41199 COTTER CT, WATERFORD, VA 20197-1279

Mortgage

Document Number	0000017929,
Date	Apr 10, 2026
Instrument	202617929

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

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	$11,704.00 (+4.54%)	$1,453,960 (+4.54%) Land $353,900 Building $1,100,060	$1,453,960 (+4.54%) Land $353,900 Building $1,100,060
2025	$11,196.00 (+3.5%)	$1,390,820 (+12.5%) Land $353,300 Building $1,037,520	$1,390,820 (+12.5%) Land $353,300 Building $1,037,520
2023	$10,817.00	$1,236,300 Land $293,300 Building $943,000	$1,236,300 Land $293,300 Building $943,000

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
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2018 · rainfall accumulation

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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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