Loudoun County property record for 46772 Backwater Dr, Sterling, VA 20164
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 3,981 sqft · built 1999 |
| Lot Size | 0.31 acres (13,503 sqft) |
| Owner | Individual Name on File |
| Last Sale | $875,000 (Jul 2023) |
| Tax Bill | $7,516 (2026) |
| Deeds & Mortgages | Oct 2025 Mortgage Jul 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 013-26-6397-000 |
| Primary APN | 013-26-6397-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 17 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,981 sqft Living Area |
| 1st Floor Area | 881 sqft |
| Basement Area | 1,310 sqft |
| Finished Basement | 1,310 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Colonial |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,503 sqft (0.31 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 46772 BACKWATER DR |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20164-8655 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R8 |
| Legal Description | WESTERLEY LOT 229 201011160073078 |
| Legal Subdivision | WESTERLEY |
| Legal Block | 2 |
| Legal Lot Number | 229 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | STERLING |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 611205 |
46772 Backwater Dr is owned and occupied by an individual who bought it in July 2023.
Source: Loudoun County records, as of September 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 46772 BACKWATER DR, STERLING, VA 20164-8655 |
| 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 |
|---|---|
| Oct 14, 2025 | Deed of Trust, Mortgage · Conventional Mortgage TOPONE MORTGAGE INC |
| Jul 31, 2023 | Warranty Deed, Transfer · Conventional Mortgage TOPONE MORTGAGE INC |
| Apr 11, 2017 | Deed of Trust, Mortgage · Line of Credit PNC BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 31, 2023 · Amount on File |
| Deed Sale | Jul 31, 2023 · Amount on File |
| Prior Sale | Nov 16, 2010 · Amount on File |
| Deed Document Number | 202330125 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 46772 BACKWATER DR, STERLING, VA 20164-8655 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2025 |
| Title Company | LANDMARK TITLE, LANDMARK TITLE SERVICES INC |
| Name | Verified Name |
|---|---|
| Address | 46772 BACKWATER DR, STERLING, VA 20164-8655 |
| Document Number | 0000049672 |
|---|---|
| Date | Oct 14, 2025 |
| Instrument | 20251014-0049672 |
| Name | TOPONE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | ROCKVILLE, MD 20852 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Nov 1, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Jul 31, 2023 |
| Property Address | 46772 BACKWATER DR, STERLING, VA 20164-8655 |
| Document Number | 0000030125 |
| Instrument Date | Jul 31, 2023 |
| Instrument | 202307310030125 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2023 |
| Title Company | BAY COUNTY SETTLEMENTS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 46772 BACKWATER DR, STERLING, VA 20164-8655 |
| Document Number | 0000030126 |
|---|---|
| Date | Jul 31, 2023 |
| Instrument | 202307310030126 |
| Name | TOPONE MORTGAGE INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 46772 BACKWATER DR, STERLING, VA 20164-8655 |
| Document Number | 20170428025382 |
| Instrument Date | Apr 11, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2018 |
| Name | Verified Name |
|---|---|
| Address | 4772 BAKCWATER DR STERLING VA 20164, STERLING, VA 20164 |
| Document Number | 20170428025382 |
|---|---|
| Date | Apr 28, 2017 |
| Instrument | 25382 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 46772 Backwater Dr was $7,516.
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 | $7,516.00 | $933,680 Land $280,600 Building $653,080 | $933,680 Land $280,600 Building $653,080 |
| 2023 | $6,626.00 (+0.17%) | $757,350 (+1.89%) Land $245,600 Building $511,750 | $757,350 (+1.89%) Land $245,600 Building $511,750 |
| 2022 | $6,615.00 | $743,270 Land $240,600 Building $502,670 | $743,270 Land $240,600 Building $502,670 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46772 Backwater Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2006.
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 |
| Nearby Flood Claims | 6 (2006–2013) |
| Claims Outside the SFHA | 4 of 6 |
| Most Recent Claim | Apr 2013 · rainfall accumulation |
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.
The area around 46772 Backwater Dr has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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