412 Harding Ct, Sterling, VA 20164 Property Records

Loudoun County property record for 412 Harding Ct, Sterling, VA 20164 · Last verified October 2023

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 1,024 sqft · built 1974
Lot Size	0.119 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$449,900 (May 2021)
Tax Bill	$3,742 (2023)
Deeds & Mortgages	May 2021 Sale & Mortgage Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`022-40-1070-000`

Property Details

APN / Parcel Number

Primary APN	`022-40-1070-000`
Alternative APN	`81/F5B/2720`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,024 sqft Living Area
Gross Area	1,922 sqft
1st Floor Area	961 sqft
Basement Area	960 sqft
Finished Basement	960 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1995
Architectural Style	Duplex Single
Exterior Material	Brick/Stone
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,227 sqft (0.119 acres)
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	/81/F5B//2720/
Street Address	412 HARDING CT
City	STERLING
State	VA
Zip	20164-2520
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	STERLING PARK S.5B L.2720 200807310047009 BROYHILLS ADDN
Legal Subdivision	STERLING PARK
Legal Block	B
Legal Lot Number	2720
Jurisdiction	LOUDOUN VA
Township / Civil Division	STERLING
Census Block Group	3
Census Block	3005
Census Tract	611400

Owner

Source: Loudoun County records · APN 022-40-1070-000

Assessment roll updated January 1, 2023 · Last verified October 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	412 HARDING CT, STERLING, VA 20164-2520
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2021	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Jan 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 18, 2021 · Amount on Record
Deed Sale	May 18, 2021 · Amount on Record
Prior Sale	Jul 31, 2008 · Amount on Record
Deed Document Number	202105180057160
Record Updated	Jun 07, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	May 18, 2021
Property Address	412 HARDING CT, STERLING, VA 20164-2520
Document Number	202105180057160
Instrument Date	May 05, 2021
Instrument	202105180057160
Transaction Type	Transfer
Record Updated	Jun 09, 2021
Title Company	CARDINAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
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
Address	412 HARDING CT, STERLING, VA 20164-2520

Mortgage

Document Number	202105180057161
Date	May 18, 2021
Instrument	202105180057161

Lender

Name	AMERICAN FINANCIAL NETWORK INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	0000057162
Date	May 18, 2021
Instrument	202105180057162

Lender

Name	AMERICAN FINANCIAL NETWORK INC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2051

Interest

Rate Type	Fixed Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	412 HARDING CT, STERLING, VA 20164-2520
Document Number	20200318018433
Instrument Date	Jan 24, 2020
Transaction Type	Mortgage
Record Updated	Apr 07, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 HARDING CT STERLING VA 201642520, STERLING, VA 20164-2520

Mortgage

Document Number	20200318018433
Date	Mar 18, 2020
Instrument	18433

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 17, 2040

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Loudoun County records · Assessment roll updated January 1, 2023 · Last verified October 2023

Property Jurisdictions

Type	Name
State	Virginia
County	Loudoun County
Unified School District	Loudoun County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$3,742.00	$427,750 Land $163,500 Building $264,250	$427,750 Land $163,500 Building $264,250

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Loudoun County (51107C), updated June 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 511076114003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	5 in force

Wildfire

Wildfire Risk	Low above 5% of the US · above 3% of Virginia
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 394 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fiber	2,300 / 2,300
Xfinity	Cable	2,000 / 2,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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