Loudoun County property record for 46 McPherson Cir, Sterling, VA 20165
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,592 sqft · built 1987 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $415,000 (Dec 2018) |
| Tax Bill | $5,172 (2026) |
| Deeds & Mortgages | Dec 2019 Mortgage Dec 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 027-27-1072-000 |
| Primary APN | 027-27-1072-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,592 sqft Living Area |
| 1st Floor Area | 560 sqft |
| Basement Area | 560 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 184 sqft |
| Deck Area | Deck Area |
| Patio Area | 124 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 46 MCPHERSON CIR |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20165-5775 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDH3 |
| Legal Description | COUNTRYSIDE SEC.4D LOT 189A 1906--543 |
| Legal Subdivision | COUNTRYSIDE |
| Legal Block | 1 |
| Legal Lot Number | 189A |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | ALGONKIAN |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 611101 |
46 McPherson Cir is owned and occupied by two individuals who acquired it in November 2019.
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 | 46 MCPHERSON CIR, STERLING, VA 20165-5775 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 3, 2019 | Quit Claim Deed, Mortgage · Conventional with PMI CARDINAL FIN'L |
| Dec 26, 2018 | Warranty Deed, Transfer · Conventional with PMI FEDERAL SVGS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 26, 2018 · Amount on File |
| Deed Sale | Dec 26, 2018 · Amount on File |
| Prior Sale | Apr 17, 2001 · Amount on File |
| Deed Document Number | 201873538 |
| Last Transfer Date | Nov 15, 2019 |
| Transfer Doc | 0000075204 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Dec 3, 2019 |
| Property Address | 46 MCPHERSON CIR, STERLING, VA 20165-5775 |
| Document Number | 20191203075204 |
| Instrument Date | Nov 15, 2019 |
| Instrument | 75204 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 46 MCPHERSON CIR STERLING VA 201655775, STERLING, VA 20165-5775 |
| Document Number | 20191203075205 |
|---|---|
| Date | Dec 3, 2019 |
| Instrument | 75205 |
| Name | CARDINAL FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 2, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Dec 26, 2018 |
| Property Address | 46 MCPHERSON CIR, STERLING, VA 20165-5775 |
| Document Number | 20181226073538 |
| Instrument Date | Dec 21, 2018 |
| Instrument | 73538 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $415.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 46 MCPHERSON CIR STERLING VA 201655775, STERLING, VA 20165-5775 |
| Document Number | 20181226073540 |
|---|---|
| Date | Dec 26, 2018 |
| Instrument | 73540 |
| Name | FEDERAL SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 46 McPherson Cir was $5,172.
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 | $5,172.00 | $642,590 Land $240,000 Building $402,590 | $642,590 Land $240,000 Building $402,590 |
| 2023 | $4,995.00 | $570,870 Land $220,000 Building $350,870 | $570,870 Land $220,000 Building $350,870 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46 McPherson Cir in Zone X, an area of minimal flood risk, though there have been 46 flood claims nearby since 1984.
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 25 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 25 in force |
| Nearby Flood Claims | 46 (1984–2018) |
| Claims Outside the SFHA | 8 of 46 |
| Most Recent Claim | Dec 2018 · rainfall accumulation |
| Claims by Event |
|
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 risk around 46 McPherson Cir 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.
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 203 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 |
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