41218 Cotter Ct, Waterford, VA 20197 Property Records

Loudoun County property record for 41218 Cotter Ct, Waterford, VA 20197

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 6,091 sqft · built 2005
Lot Size	4.68 acres (204,296 sqft)
Owner	2 Individual Names on File
Last Sale	$965,000 (Apr 2021)
Tax Bill	$10,894 (2026)
Deeds & Mortgages	Apr 2021 Sale Mar 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`223-35-4016-000`

Property Details

APN / Parcel Number

Primary APN	`223-35-4016-000`
Alternative APN	`29 18 103`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	19 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	6,091 sqft Living Area
1st Floor Area	2,112 sqft
Basement Area	1,600 sqft
Finished Basement	1,600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Brick/Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	204,296 sqft
Garage Type	Attached
Garage Area	693 sqft
Porch	Open Porch
Porch Area	88 sqft
Patio Area	154 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	41218 COTTER CT
City	WATERFORD
State	VA
Zip	20197-1287
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR1
Legal Description	WATERFORD RIDGE S.2 PH.2 LOT 103 201001250004121
Legal Subdivision	WATERFORD RIDGE
Legal Phase	2
Legal Block	3
Legal Lot Number	103
Jurisdiction	LOUDOUN VA
Township / Civil Division	CATOCTIN
Census Block Group	3
Census Block	3009
Census Tract	610300

Owner

41218 Cotter Ct is owned and occupied by two individuals who bought it in April 2021.

Source: Loudoun County records, as of September 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	41218 COTTER CT, WATERFORD, VA 20197-1287
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2021	Correction Deed
Mar 22, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Nov 4, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2021 · Amount on File
Deed Sale	Apr 28, 2021 · Amount on File
Prior Sale	Mar 22, 2021 · Amount on File
Deed Document Number	202149734
Record Updated	Oct 29, 2026

April 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	LOUDOUN VA
Recording Date	Apr 28, 2021
Property Address	41218 COTTER CT, WATERFORD, VA 20197-1287
Document Number	202104280049734
Instrument Date	Mar 22, 2021
Instrument	202104280049734
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21492 TAMARACK RIDGE SQ, STERLING, VA 20164-8669

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Mar 22, 2021
Property Address	41218 COTTER CT, WATERFORD, VA 20197-1287
Document Number	202103220033957
Instrument Date	Mar 22, 2021
Instrument	202103220033957
Transaction Type	Transfer
Record Updated	Sep 13, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount 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	21492 TAMARACK RIDGE SQ, STERLING, VA 20164-8669

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	41218 COTTER CT, WATERFORD, VA 20197-1287
Document Number	20171116071739
Instrument Date	Nov 4, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20171116071739
Date	Nov 16, 2017
Instrument	71739

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 15, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 41218 Cotter Ct was $10,894.

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	$10,894.00	$1,353,340 Land $372,000 Building $981,340	$1,353,340 Land $372,000 Building $981,340
2023	$9,815.00	$1,121,770 Land $308,600 Building $813,170	$1,121,770 Land $308,600 Building $813,170

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

Flood

FEMA maps place 41218 Cotter Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2018.

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 File 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

Wildfire risk around 41218 Cotter Ct is low, with a 0.01% annual chance of 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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