Loudoun County property record for 41219 Cotter Ct, Waterford, VA 20197
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5.5 ba · 7,392 sqft · built 2006 |
| Lot Size | 3.15 acres (137,649 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $820,000 (Sep 2013) |
| Tax Bill | $11,163 (2026) |
| Deeds & Mortgages | Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 223-25-0972-000 |
| Primary APN | 223-25-0972-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 20 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 7,392 sqft Living Area |
| 1st Floor Area | 2,150 sqft |
| Basement Area | 2,600 sqft |
| Finished Basement | 2,600 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Colonial |
| Exterior Material | Brick/Stone |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 137,649 sqft |
| Garage Type | Attached |
| Garage Area | 735 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 104 sqft |
| Deck Area | Deck Area |
| Patio Area | 384 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 41219 COTTER CT |
|---|---|
| City | WATERFORD |
| State | VA |
| Zip | 20197-1295 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR1 |
| Legal Description | WATERFORD RIDGE S.2 PH.2 LOT 100 200607280065142 |
| Legal Subdivision | WATERFORD RIDGE |
| Legal Phase | 2 |
| Legal Block | 3 |
| Legal Lot Number | 100 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | CATOCTIN |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 610300 |
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 | 41219 COTTER CT, WATERFORD, VA 20197-1295 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 13, 2013 · Amount on Record |
| Deed Sale | Sep 13, 2013 · Amount on Record |
| Prior Sale | Jul 28, 2006 · Amount on Record |
| Deed Document Number | 201375715 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 41219 COTTER CT, WATERFORD, VA 20197-1295 |
| Document Number | 20200427029625 |
| Instrument Date | Apr 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 41218 COTTER CT WATERFORD VA 201971287, WATERFORD, VA 20197-1287 |
| Document Number | 20200427029625 |
|---|---|
| Date | Apr 27, 2020 |
| Instrument | 29625 |
| Name | ATLANTIC COAST MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 26, 2050 |
| Rate Type | Fixed Rate |
|---|
Source: Loudoun County assessment roll, as of September 18, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Loudoun County |
| Unified School District | Loudoun County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $11,163.00 (+12.2%) | $1,386,730 (+21.96%) Land $352,100 Building $1,034,630 | $1,386,730 (+21.96%) Land $352,100 Building $1,034,630 |
| 2023 | $9,949.00 | $1,137,060 Land $291,800 Building $845,260 | $1,137,060 Land $291,800 Building $845,260 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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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