47277 Middle Bluff Pl, Sterling, VA 20165 Property Records

Loudoun County property record for 47277 Middle Bluff Pl, Sterling, VA 20165

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 5,114 sqft · built 2001
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Company Names on Record
Last Sale	$1,325,000 (Feb 2026)
Tax Bill	$9,397 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Feb 2026 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`005-16-5597-000`

Property Details

APN / Parcel Number

Primary APN	`005-16-5597-000`
Alternative APN	`65 3 152`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	18 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	5,114 sqft Living Area
1st Floor Area	1,650 sqft
Basement Area	1,422 sqft
Finished Basement	1,422 sqft
Sunroom	Sunroom
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2010
Architectural Style	Colonial
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,651 sqft (0.52 acres)
Garage Type	Attached
Garage Area	400 sqft
Deck Area	Deck Area
Patio Area	380 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	47277 MIDDLE BLUFF PL
City	STERLING
State	VA
Zip	20165-3127
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDH4
Legal Description	SOUTH BANK SEC.3B LOT 152 1974--1138
Legal Subdivision	SOUTH BANK
Legal Block	2
Legal Lot Number	152
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	2
Census Block	2003
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 Company Names on Record
Mailing Address	47277 MIDDLE BLUFF PL, STERLING, VA 20165-3127
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Feb 18, 2026	Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2026 · Amount on Record
Deed Sale	Feb 18, 2026 · Amount on Record
Prior Sale	Jul 31, 2001 · Amount on Record
Deed Document Number	20267804
Prior Transfer Date	Sep 6, 2024
Prior Transfer Doc	0000039301
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Recording Date	Jun 22, 2026
Property Address	47277 MIDDLE BLUFF PL, STERLING, VA 20165-3127
Document Number	0000031859
Instrument Date	Feb 17, 2026
Instrument	202631859
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust, 220
Address	12406 SHALLOW FORD CT, HERNDON, VA 20170-2040

Mortgage

Document Number	0000031859,
Date	Jun 22, 2026
Instrument	202631859

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2041

Interest

Rate	5.44%
Max Rate	-1%

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LOUDOUN VA
Recording Date	Feb 18, 2026
Property Address	47277 MIDDLE BLUFF PL, STERLING, VA 20165-3127
Document Number	0000007804
Map Reference	MB 1676 PG 530
Instrument Date	Feb 9, 2026
Instrument	20260218-0007804
Transaction Type	Transfer
Record Updated	Mar 11, 2026
Title Company	MIDATLANTIC SETTLEMENT SERVICES LL, MID ATLANTIC STLMT SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,325.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	47277 MIDDLE BLUFF PL, STERLING, VA 20165-3127

Mortgage

Document Number	0000007805
Date	Feb 18, 2026
Instrument	20260218-0007805

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2041

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	$9,397.00 (+2.39%)	$1,167,340 (+2.39%) Land $282,700 Building $884,640	$1,167,340 (+2.39%) Land $282,700 Building $884,640
2025	$9,178.00 (+4.81%)	$1,140,140 (+13.91%) Land $282,700 Building $857,440	$1,140,140 (+13.91%) Land $282,700 Building $857,440
2023	$8,757.00	$1,000,870 Land $282,700 Building $718,170	$1,000,870 Land $282,700 Building $718,170

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans

Values are read at the parcel center point; 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 25 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 and 4G LTE (outdoors only)

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