47240 Middle Bluff Pl, Sterling, VA 20165 Property Records

Loudoun County property record for 47240 Middle Bluff Pl, Sterling, VA 20165

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 5,028 sqft · built 2000
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$700,000 (Jan 2019)
Tax Bill	$9,347 (2026)
Deeds & Mortgages	Feb 2023 Second Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`005-17-3091-000`

Property Details

APN / Parcel Number

Primary APN	`005-17-3091-000`
Alternative APN	`65 2 92`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	19 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	5,028 sqft Living Area
1st Floor Area	1,650 sqft
Basement Area	1,336 sqft
Finished Basement	1,336 sqft
Sunroom	Sunroom
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2010
Architectural Style	Colonial
Exterior Material	Brick/Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	400 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	40 sqft
Deck Area	Deck Area
Patio Area	585 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	47240 MIDDLE BLUFF PL
City	STERLING
State	VA
Zip	20165-3125
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDH4
Legal Description	SOUTH BANK SEC.2 LOT 92 1789--2483
Legal Subdivision	SOUTH BANK
Legal Block	2
Legal Lot Number	92
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	2
Census Block	2002
Census Tract	611208

Owner

47240 Middle Bluff Pl is owned and occupied by two individuals who bought it in January 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	47240 MIDDLE BLUFF PL, STERLING, VA 20165-3125
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

Date	Document
Feb 8, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Oct 25, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2019 · Amount on File
Deed Sale	Jan 23, 2019 · Amount on File
Prior Sale	Jun 21, 2000 · Amount on File
Deed Document Number	20193349
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	47240 MIDDLE BLUFF PL, STERLING, VA 20165-3125
Transaction Type	Mortgage
Record Updated	Mar 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004719
Date	Feb 8, 2023
Instrument	202302080004719

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	336 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	47240 MIDDLE BLUFF PL, STERLING, VA 20165-3125
Document Number	20191031067199
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Nov 19, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	47240 MIDDLE BLUFF PL STERLING VA 201653125, STERLING, VA 20165-3125

Mortgage

Document Number	20191031067199
Date	Oct 31, 2019
Instrument	67199

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 30, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 47240 Middle Bluff Pl was $9,347, up 2.3% from the year before.

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	$9,347.00 (+2.33%)	$1,161,220 (+2.33%) Land $279,500 Building $881,720	$1,161,220 (+2.33%) Land $279,500 Building $881,720
2025	$9,134.00	$1,134,750 Land $279,500 Building $855,250	$1,134,750 Land $279,500 Building $855,250
2023	$8,787.00	$1,004,300 Land $279,500 Building $724,800	$1,004,300 Land $279,500 Building $724,800

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

Flood

FEMA maps place 47240 Middle Bluff Pl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 15, 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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 47240 Middle Bluff Pl is low, with 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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

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

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