42581 Cochrans Lock Dr, Ashburn, VA 20148 Property Records

Loudoun County property record for 42581 Cochrans Lock Dr, Ashburn, VA 20148

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 6,419 sqft · built 2005
Lot Size	0.56 acres (24,393 sqft)
Owner	2 Individual Names on File
Last Sale	$1,175,000 (Nov 2007)
Tax Bill	$13,712 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Aug 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`157-36-7790-000`

Property Details

APN / Parcel Number

Primary APN	`157-36-7790-000`
Alternative APN	`78 D 1 1`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	18 Plumbing Fixtures
Stories	2 Stories
Building Area	6,419 sqft Living Area
1st Floor Area	1,963 sqft
Basement Area	1,718 sqft
Finished Basement	1,718 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,393 sqft (0.56 acres)
Garage Type	Attached
Garage Area	714 sqft

Exterior Amenities

Pool Area	800 sqft
Pool House	169 sqft
Porch	Open Porch
Porch Area	610 sqft
Patio Area	656 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	42581 COCHRANS LOCK DR
City	ASHBURN
State	VA
Zip	20148-4101
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	VILLAGE OF WAXPOOL SEC.1 LOT 1 200711280082844 200510280121659POC
Legal Subdivision	WAXPOOL
Legal Block	4
Legal Lot Number	1
Jurisdiction	LOUDOUN VA
Township / Civil Division	BROAD RUN
Census Block Group	4
Census Block	4003
Census Tract	611022

Owner

42581 Cochrans Lock Dr is owned and occupied by two individuals who bought it in November 2007.

Source: Loudoun County records, as of September 21, 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	2 Individual Names on File
Mailing Address	42581 COCHRANS LOCK DR, ASHBURN, VA 20148-4101
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MTG
Aug 20, 2018	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 2007 · Amount on File
Deed Sale	Nov 28, 2007 · Amount on File
Prior Sale	Dec 2, 2005 · Amount on File
Deed Document Number	200782844
Transfer Doc	0000040943
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	42581 COCHRANS LOCK DR, ASHBURN, VA 20148-4101
Document Number	20201027102350
Instrument Date	Oct 22, 2020
Transaction Type	Mortgage
Record Updated	Nov 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42581 COCHRANS LOCK DR ASHBURN VA 201484101, ASHBURN, VA 20148-4101

Mortgage

Document Number	20201027102350
Date	Oct 27, 2020
Instrument	102350

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 26, 2050

Interest

Rate Type	Fixed Rate
Rate	2.63%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	42581 COCHRANS LOCK DR, ASHBURN, VA 20148-4101
Document Number	20181017060435
Instrument Date	Aug 20, 2018
Transaction Type	Mortgage
Record Updated	Oct 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20181017060435
Date	Oct 17, 2018
Instrument	60435

Lender

Name	BRANCH BK&TR
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 42581 Cochrans Lock Dr was $13,712, up 0.8% from the year before.

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	$13,712.00 (+0.81%)	$1,703,370 (+0.8%) Land $440,600 Building $1,262,770	$1,703,370 (+0.8%) Land $440,600 Building $1,262,770
2025	$13,602.00	$1,689,770 Land $440,600 Building $1,249,170	$1,689,770 Land $440,600 Building $1,249,170
2023	$13,157.00	$1,503,660 Land $425,600 Building $1,078,060	$1,503,660 Land $425,600 Building $1,078,060

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

Flood

FEMA maps place 42581 Cochrans Lock Dr in Zone X, an area of minimal flood risk.

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	2 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

Wildfire risk around 42581 Cochrans Lock Dr 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	Direct burnable vegetation

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 24 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
Xfinity Cable	2,000 / 2,000

May also be available: AT&T.

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