Loudoun County property record for 46480 Montgomery Pl, Sterling, VA 20165
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,171 sqft · built 1994 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $540,000 (Mar 2012) |
| Tax Bill | $7,163 (2026) |
| Deeds & Mortgages | Apr 2026 Line of Credit Feb 2022 Second Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 018-10-2195-000 |
| Primary APN | 018-10-2195-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,171 sqft Living Area |
| 1st Floor Area | 1,170 sqft |
| Basement Area | 532 sqft |
| Finished Basement | 532 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Colonial |
| Exterior Material | Brick/Stone |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 36 sqft |
| Deck Area | Deck Area |
| Patio Area | 578 sqft |
| Shed | 1 Shed |
| Shed Area | 42 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 46480 MONTGOMERY PL |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20165-7317 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDH4 |
| Legal Description | POTOMAC LAKES SEC.6B LOT 18 1327--801 |
| Legal Subdivision | POTOMAC LAKE |
| Legal Block | 2 |
| Legal Lot Number | 18 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | ALGONKIAN |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 611207 |
46480 Montgomery Pl is owned and occupied by two individuals who bought it in March 2012.
Source: Loudoun County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 46480 MONTGOMERY PL, STERLING, VA 20165-7317 |
| 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.
| Date | Document |
|---|---|
| Apr 13, 2026 | Deed of Trust, Mortgage · Line of Credit INTOUCH CREDIT UNION |
| Feb 4, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage INTOUCH CREDIT UNION |
| May 26, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS LLC |
| Sep 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Mar 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage INTOUCH CU |
| Jun 14, 2018 | Deed of Trust, Mortgage · Line of Credit INTOUCH CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 26, 2012 · Amount on File |
| Deed Sale | Mar 26, 2012 · Amount on File |
| Prior Sale | Aug 29, 1994 · Amount on File |
| Deed Document Number | 201221864 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Apr 13, 2026 |
| Property Address | 46480 MONTGOMERY PL, STERLING, VA 20165-7317 |
| Document Number | 0000018305 |
| Instrument Date | Apr 8, 2026 |
| Instrument | 202618305 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 46480 MONTGOMERY PL, STERLING, VA 20165-7317 |
| Document Number | 0000018305, |
|---|---|
| Date | Apr 13, 2026 |
| Instrument | 202618305 |
| Name | INTOUCH CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 13, 2036 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 46480 MONTGOMERY PL, STERLING, VA 20165-7317 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000007093 |
|---|---|
| Date | Feb 4, 2022 |
| Instrument | 202202040007093 |
| Name | INTOUCH CREDIT UNION |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 238 Months |
| Due | Dec 28, 2041 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 46480 MONTGOMERY PL, STERLING, VA 20165-7317 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000060001 |
|---|---|
| Date | May 26, 2021 |
| Instrument | 202105260060001 |
| Name | QUICKEN LOANS LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.88% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 46480 MONTGOMERY PL, STERLING, VA 20165-7317 |
| Document Number | 20200923087015 |
| Instrument Date | Sep 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 46480 MONTGOMERY PL STERLING VA 201657317, STERLING, VA 20165-7317 |
| Document Number | 20200923087015 |
|---|---|
| Date | Sep 23, 2020 |
| Instrument | 87015 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 22, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.94% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 46480 MONTGOMERY PL, STERLING, VA 20165-7317 |
| Document Number | 20200608042651 |
| Instrument Date | Mar 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 46480 MONTGOMERY PL STERLING VA 201657317, STERLING, VA 20165-7317 |
| Document Number | 20200608042651 |
|---|---|
| Date | Jun 8, 2020 |
| Instrument | 42651 |
| Name | INTOUCH CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 7, 2035 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 46480 MONTGOMERY PL, STERLING, VA 20165-7317 |
| Document Number | 20180705038904 |
| Instrument Date | Jun 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 18, 2018 |
| Name | Verified Name |
|---|
| Document Number | 20180705038904 |
|---|---|
| Date | Jul 5, 2018 |
| Instrument | 38904 |
| Name | INTOUCH CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 4, 2038 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 46480 Montgomery Pl was $7,163, up 0.5% from the year before.
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 | $7,163.00 (+0.51%) | $889,930 (+0.51%) Land $279,700 Building $610,230 | $889,930 (+0.51%) Land $279,700 Building $610,230 |
| 2025 | $7,127.00 | $885,410 Land $254,700 Building $630,710 | $885,410 Land $254,700 Building $630,710 |
| 2023 | $6,946.00 | $793,900 Land $239,700 Building $554,200 | $793,900 Land $239,700 Building $554,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46480 Montgomery Pl 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 | 5 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 risk around 46480 Montgomery Pl 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 | None beyond ember reach |
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 361 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 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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