46832 Backwater Dr, Sterling, VA 20164 Property Records

Loudoun County property record for 46832 Backwater Dr, Sterling, VA 20164

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,050 sqft · built 1993
Lot Size	0.18 acres (7,840 sqft)
Owner	2 Individual Names on File
Last Sale	$610,000 (Jul 2013)
Tax Bill	$7,478 (2026)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`013-37-5295-000`

Property Details

APN / Parcel Number

Primary APN	`013-37-5295-000`
Alternative APN	`81 Z 2 41`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	18 Plumbing Fixtures
Stories	2 Stories
Building Area	4,050 sqft Living Area
1st Floor Area	1,171 sqft
Basement Area	1,082 sqft
Finished Basement	1,082 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,840 sqft (0.18 acres)
Garage Type	Attached
Garage Area	430 sqft
Deck Area	570 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	46832 BACKWATER DR
City	STERLING
State	VA
Zip	20164-8612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	RICHLAND FOREST PH.3 LOT 41 200701100002320
Legal Subdivision	RICHLAND FOREST PH.3
Legal Phase	3
Legal Block	2
Legal Lot Number	41
Jurisdiction	LOUDOUN VA
Township / Civil Division	STERLING
Census Block Group	2
Census Block	2004
Census Tract	611205

Owner

46832 Backwater Dr is owned and occupied by two individuals who bought it in July 2013.

Source: Loudoun County records, as of September 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	46832 BACKWATER DR, STERLING, VA 20164-8612
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2013 · Amount on File
Deed Sale	Jul 23, 2013 · Amount on File
Prior Sale	Jan 10, 2007 · Amount on File
Deed Document Number	201361420
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	46832 BACKWATER DR, STERLING, VA 20164-8612
Document Number	20200810067265
Instrument Date	Aug 5, 2020
Transaction Type	Mortgage
Record Updated	Sep 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46832 BACKWATER DR STERLING VA 201648612, STERLING, VA 20164-8612

Mortgage

Document Number	20200810067265
Date	Aug 10, 2020
Instrument	67265

Lender

Name	2004-00007 LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 46832 Backwater Dr was $7,478.

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	$7,478.00	$928,980 Land $279,300 Building $649,680	$928,980 Land $279,300 Building $649,680
2023	$6,568.00 (-0.26%)	$750,730 (+1.45%) Land $244,300 Building $506,430	$750,730 (+1.45%) Land $244,300 Building $506,430
2022	$6,585.00	$739,980 Land $239,300 Building $500,680	$739,980 Land $239,300 Building $500,680

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

Flood

FEMA maps place 46832 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.

Wildfire

Wildfire risk around 46832 Backwater Dr is low, with less than 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 95% of the US · lower than 97.5% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 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