Loudoun County property record for 46897 Backwater Dr, Sterling, VA 20164
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,257 sqft · built 1998 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $825,479 (Jun 2021) |
| Tax Bill | $7,457 (2026) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage Apr 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 013-38-2313-000 |
| Primary APN | 013-38-2313-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,257 sqft Living Area |
| 1st Floor Area | 871 sqft |
| Basement Area | 653 sqft |
| Finished Basement | 653 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Colonial |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Type | Attached |
| Garage Area | 430 sqft |
| Porch | Screened Porch |
|---|---|
| Porch Area | 178 sqft |
| Deck Area | Deck Area |
| Patio Area | 177 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 46897 BACKWATER DR |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20164-8620 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | PARK AT WESTERLEY LOT 30 1607--988 |
| Legal Subdivision | PARK AT WESTERLEY |
| Legal Block | 2 |
| Legal Lot Number | 30 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | STERLING |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 611205 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 46897 BACKWATER DR, STERLING, VA 20164-8620 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 28, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPOR |
| Apr 19, 2019 | Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 28, 2021 · Amount on Record |
| Deed Sale | Jun 28, 2021 · Amount on Record |
| Prior Sale | Sep 10, 1998 · Amount on Record |
| Deed Document Number | 202170948 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Jun 28, 2021 |
| Property Address | 46897 BACKWATER DR, STERLING, VA 20164-8620 |
| Document Number | 202106280070948 |
| Instrument Date | Jun 25, 2021 |
| Instrument | 202106280070948 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| 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 | 46897 BACKWATER DR, STERLING, VA 20164-8620 |
| Document Number | 202106280070949 |
|---|---|
| Date | Jun 28, 2021 |
| Instrument | 202106280070949 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORPOR |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 46897 BACKWATER DR, STERLING, VA 20164-8620 |
| Document Number | 20190603028879 |
| Instrument Date | Apr 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 46897 BACKWATER DR STERLING VA 201648620, STERLING, VA 20164-8620 |
| Document Number | 20190603028879 |
|---|---|
| Date | Jun 3, 2019 |
| Instrument | 28879 |
| Name | NORTHWEST FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 2, 2034 |
| Rate Type | Fixed Rate |
|---|
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 | $7,457.00 (+10.05%) | $926,450 (+19.62%) Land $279,900 Building $646,550 | $926,450 (+19.62%) Land $279,900 Building $646,550 |
| 2023 | $6,776.00 | $774,470 Land $244,900 Building $529,570 | $774,470 Land $244,900 Building $529,570 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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