46597 Carriage Ct, Sterling, VA 20164 Property Records

Loudoun County property record for 46597 Carriage Ct, Sterling, VA 20164

Property Summary

Property Type	Townhouse
Details	3 bd · 4 ba · 1,600 sqft · built 1986
Lot Size	0.04 acres (1,742 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Jun 2006)
Tax Bill	$4,492 (2026)
Deeds & Mortgages	Aug 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`020-40-9788-000`

Property Details

APN / Parcel Number

Primary APN	`020-40-9788-000`
Alternative APN	`81 J 2 58`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	2,392 sqft Living Area
1st Floor Area	792 sqft
Basement Area	792 sqft
Finished Basement	792 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2000
Architectural Style	Townhouse
Exterior Material	Brick/Stone
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,742 sqft (0.04 acres)
Deck Area	Deck Area
Patio Area	184 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	46597 CARRIAGE CT
City	STERLING
State	VA
Zip	20164-6303
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PDH6
Legal Description	MIRROR RIDGE SUBD SEC.2 LOT 58 200606270056144
Legal Subdivision	MIRROR RIDGE
Legal Block	1
Legal Lot Number	58
Jurisdiction	LOUDOUN VA
Township / Civil Division	STERLING
Census Block Group	1
Census Block	1000
Census Tract	611205

Owner

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	Individual Name on Record
Mailing Address	46597 CARRIAGE CT, STERLING, VA 20164-6303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2006 · Amount on Record
Deed Sale	Jun 27, 2006 · Amount on Record
Prior Sale	Jul 31, 2002 · Amount on Record
Deed Document Number	200656144
Prior Transfer Date	Jun 23, 2006
Prior Transfer Doc	0000056144
Record Updated	Oct 29, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	46597 CARRIAGE CT, STERLING, VA 20164-6303
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036551
Date	Aug 28, 2024
Instrument	202408280036551

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Sep 1, 2064

Interest

Rate Type	Adjustable Rate
Rate	10.2%

Tax Assessment & Valuation

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	$4,492.00 (+3.1%)	$558,030 (+12.06%) Land $180,000 Building $378,030	$558,030 (+12.06%) Land $180,000 Building $378,030
2023	$4,357.00	$497,960 Land $180,000 Building $317,960	$497,960 Land $180,000 Building $317,960

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

Flood

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
Nearby Flood Claims	1 (2003)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2003 · Severe Winter Storm, Record/near Record Snowfall, Heavy Rain,floodind, And Mudslide

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 327 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 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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