Loudoun County property record for 46848 Backwater Dr, Sterling, VA 20164
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,107 sqft · built 1993 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $455,500 (Feb 2009) |
| Tax Bill | $6,750 (2026) |
| Deeds & Mortgages | Sep 2025 Second Mortgage Mar 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 013-37-8788-000 |
| Primary APN | 013-37-8788-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,107 sqft Living Area |
| 1st Floor Area | 1,009 sqft |
| Basement Area | 800 sqft |
| Finished Basement | 800 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Colonial |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Deck Area | Deck Area |
| Patio Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 46848 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 44 201011050070406 200902100006834 |
| Legal Subdivision | RICHLAND FOREST PH.3 |
| Legal Phase | 3 |
| Legal Block | 2 |
| Legal Lot Number | 44 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | STERLING |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 611205 |
46848 Backwater Dr is owned and occupied by an individual who acquired it in October 2024.
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 | Individual Name on File |
|---|---|
| Mailing Address | 46848 BACKWATER DR, STERLING, VA 20164-8612 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married |
| Date | Document |
|---|---|
| Sep 22, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOANDEPOT.COM LLC |
| Mar 9, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS LLC |
| Sep 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Sep 14, 2018 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 10, 2009 · Amount on File |
| Deed Sale | Feb 10, 2009 · Amount on File |
| Prior Sale | Jul 19, 2007 · Amount on File |
| Deed Document Number | 20096834 |
| Last Transfer Date | Oct 1, 2024 |
| Transfer Doc | 0000020476 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 46848 BACKWATER DR, STERLING, VA 20164-8612 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000045771 |
|---|---|
| Date | Sep 22, 2025 |
| Instrument | 20250922-0045771 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 46848 BACKWATER DR, STERLING, VA 20164-8612 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000028361 |
|---|---|
| Date | Mar 9, 2021 |
| Instrument | 202103090028361 |
| Name | QUICKEN LOANS LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.63% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 46848 BACKWATER DR, STERLING, VA 20164-8612 |
| Document Number | 20191004060311 |
| Instrument Date | Sep 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 46848 BACKWATER DR STERLING VA 201648612, STERLING, VA 20164-8612 |
| Document Number | 20191004060311 |
|---|---|
| Date | Oct 4, 2019 |
| Instrument | 60311 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 3, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.88% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 46848 BACKWATER DR, STERLING, VA 20164-8612 |
| Document Number | 20180918054661 |
| Instrument Date | Sep 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2018 |
| Name | Verified Name |
|---|
| Document Number | 20180918054661 |
|---|---|
| Date | Sep 18, 2018 |
| Instrument | 54661 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 17, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.25% |
The 2026 property tax bill for 46848 Backwater Dr was $6,750.
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 | $6,750.00 | $838,630 Land $279,500 Building $559,130 | $838,630 Land $279,500 Building $559,130 |
| 2023 | $6,111.00 | $698,460 Land $244,500 Building $453,960 | $698,460 Land $244,500 Building $453,960 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46848 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 46848 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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