47196 Middle Bluff Pl, Sterling, VA 20165 Property Records

Loudoun County property record for 47196 Middle Bluff Pl, Sterling, VA 20165

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,517 sqft · built 1999
Lot Size	0.21 acres (9,147 sqft)
Owner	2 Individual Names on Record
Last Sale	$880,000 (Dec 2021)
Tax Bill	$8,528 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage May 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`005-18-1795-000`

Property Details

APN / Parcel Number

Primary APN	`005-18-1795-000`
Alternative APN	`65 2 70`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	4,517 sqft Living Area
1st Floor Area	1,544 sqft
Basement Area	1,265 sqft
Finished Basement	1,265 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2010
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,147 sqft (0.21 acres)
Garage Type	Attached
Garage Area	440 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	47196 MIDDLE BLUFF PL
City	STERLING
State	VA
Zip	20165-3123
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDH4
Legal Description	SOUTH BANK SEC.2 LOT 70 1755--900
Legal Subdivision	SOUTH BANK
Legal Block	1
Legal Lot Number	70
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	1
Census Block	1000
Census Tract	611208

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	2 Individual Names on Record
Mailing Address	47196 MIDDLE BLUFF PL, STERLING, VA 20165-3123
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage TRUIST BANK
May 4, 2018	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2021 · Amount on Record
Deed Sale	Dec 20, 2021 · Amount on Record
Prior Sale	Feb 25, 2000 · Amount on Record
Deed Document Number	2021123786
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Dec 20, 2021
Property Address	47196 MIDDLE BLUFF PL, STERLING, VA 20165-3123
Document Number	0000123786
Instrument Date	Dec 15, 2021
Instrument	202112200123786
Transaction Type	Transfer
Record Updated	Jan 5, 2022
Title Company	MODERN TITLE LLC, MODE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	47196 MIDDLE BLUFF PL, STERLING, VA 20165-3123

Mortgage

Document Number	0000123787
Date	Dec 20, 2021
Instrument	202112200123787

Lender

Name	TRUIST BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	47196 MIDDLE BLUFF PL, STERLING, VA 20165-3123
Document Number	20180509025824
Instrument Date	May 4, 2018
Transaction Type	Mortgage
Record Updated	Jun 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20180509025824
Date	May 9, 2018
Instrument	25824

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 8, 2048

Interest

Rate Type	Adjustable Rate

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	$8,528.00 (+2.13%)	$1,059,400 (+11.01%) Land $279,600 Building $779,800	$1,059,400 (+11.01%) Land $279,600 Building $779,800
2023	$8,350.00	$954,360 Land $279,600 Building $674,760	$954,360 Land $279,600 Building $674,760

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2008–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2020 · other causes

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	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	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 540 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Middle Bluff Pl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures