Loudoun County property record for 42589 Cochrans Lock Dr, Ashburn, VA 20148
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5.5 ba · 7,540 sqft · built 2005 |
| Lot Size | 0.63 acres (27,442 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $915,000 (May 2017) |
| Tax Bill | $14,049 (2026) |
| Deeds & Mortgages | Mar 2026 Line of Credit Mar 2021 Refinance + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 157-37-0387-000 |
| Primary APN | 157-37-0387-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 20 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 7,540 sqft Living Area |
| 1st Floor Area | 1,784 sqft |
| Basement Area | 2,320 sqft |
| Finished Basement | 2,320 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Colonial |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 27,442 sqft (0.63 acres) |
| Garage Type | Attached |
| Garage Area | 672 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 42589 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 3 200704030025167 200510280121659POC |
| Legal Subdivision | WAXPOOL |
| Legal Block | 4 |
| Legal Lot Number | 3 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | BROAD RUN |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 611022 |
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 | 42589 COCHRANS LOCK DR, ASHBURN, VA 20148-4101 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Mar 26, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Mar 23, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ANGEL OAK HOME LOANS LLC |
| Sep 24, 2019 | Deed of Trust, Mortgage BANK OF AMERICA |
| Dec 21, 2017 | Deed of Trust, Mortgage MIDWEST EQUITY MTG |
| Jun 22, 2017 | Deed of Trust, Mortgage · Line of Credit CAPITAL ONE NA |
| May 5, 2017 | Grant Deed, Transfer PRIME LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 5, 2017 · Amount on Record |
| Deed Sale | May 5, 2017 · Amount on Record |
| Prior Sale | Apr 3, 2007 · Amount on Record |
| Deed Document Number | 201727297 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 42589 COCHRANS LOCK DR, ASHBURN, VA 20148-4101 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 42589 COCHRANS LOCK DR, ASHBURN, VA 20148-4101 |
| Document Number | 0000014871 |
|---|---|
| Date | Mar 26, 2026 |
| Instrument | 20260326-0014871 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Mar 24, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 42589 COCHRANS LOCK DR, ASHBURN, VA 20148-4101 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000034398 |
|---|---|
| Date | Mar 23, 2021 |
| Instrument | 202103230034398 |
| Name | ANGEL OAK HOME LOANS LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 42589 COCHRANS LOCK DR, ASHBURN, VA 20148-4101 |
| Document Number | 20190930058707 |
| Instrument Date | Sep 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 42589 COCHRANS LOCK DR ASHBURN VA 201484101, ASHBURN, VA 20148-4101 |
| Document Number | 20190930058707 |
|---|---|
| Date | Sep 30, 2019 |
| Instrument | 58707 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 29, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 42589 COCHRANS LOCK DR, ASHBURN, VA 20148-4101 |
| Document Number | 20171227079877 |
| Instrument Date | Dec 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Document Number | 20171227079877 |
|---|---|
| Date | Dec 27, 2017 |
| Instrument | 79877 |
| Name | MIDWEST EQUITY MTG |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 26, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 42589 COCHRANS LOCK DR, ASHBURN, VA 20148-4101 |
| Document Number | 20170710041892 |
| Instrument Date | Jun 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Document Number | 20170710041892 |
|---|---|
| Date | Jul 10, 2017 |
| Instrument | 41892 |
| Name | CAPITAL ONE NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 9, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | May 5, 2017 |
| Property Address | 42589 COCHRANS LOCK DR, ASHBURN, VA 20148-4101 |
| Document Number | 20170505027297 |
| Instrument Date | May 4, 2017 |
| Instrument | 27297 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $915.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 42589 COCHRANS LOCK DR ASHBURN VA 201484101, ASHBURN, VA 20148-4101 |
| Document Number | 20170505027298 |
|---|---|
| Date | May 5, 2017 |
| Instrument | 27298 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 4, 2047 |
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 | $14,049.00 (+0.98%) | $1,745,250 (+0.97%) Land $441,300 Building $1,303,950 | $1,745,250 (+0.97%) Land $441,300 Building $1,303,950 |
| 2025 | $13,913.00 (+4.37%) | $1,728,410 (+13.44%) Land $441,300 Building $1,287,110 | $1,728,410 (+13.44%) Land $441,300 Building $1,287,110 |
| 2023 | $13,331.00 | $1,523,650 Land $426,300 Building $1,097,350 | $1,523,650 Land $426,300 Building $1,097,350 |
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 |
| 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.
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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 292 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 2,000 |
| AT&T Fixed Wireless | 100 / 20 |
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