47304 Middle Bluff Pl, Sterling, VA 20165 Property Records

Loudoun County property record for 47304 Middle Bluff Pl, Sterling, VA 20165

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 5,600 sqft · built 2001
Lot Size	0.21 acres (9,147 sqft)
Owner	2 Individual Names on Record
Last Sale	$783,000 (Mar 2017)
Tax Bill	$10,020 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Nov 2025 Second Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`005-16-2256-000`

Property Details

APN / Parcel Number

Primary APN	`005-16-2256-000`
Alternative APN	`65 3 188`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	5,600 sqft Living Area
1st Floor Area	1,650 sqft
Basement Area	1,894 sqft
Finished Basement	1,894 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	9,147 sqft (0.21 acres)
Garage Type	Attached
Garage Area	400 sqft
Deck Area	Deck Area
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	47304 MIDDLE BLUFF PL
City	STERLING
State	VA
Zip	20165-3128
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDH4
Legal Description	SOUTH BANK SEC.3B LOT 188 200903180015869
Legal Subdivision	SOUTH BANK
Legal Block	2
Legal Lot Number	188
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	2
Census Block	2002
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	47304 MIDDLE BLUFF PL, STERLING, VA 20165-3128
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Nov 12, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Dec 7, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FEDERAL CREDIT UNION
Aug 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE
Nov 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE
Nov 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST SVGS BK
Jun 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE
Mar 27, 2017	Grant Deed, Transfer TITLE RESOURCES GUARANTY COMPANY, TITLE RESOURCES GUARANTY CO.

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2017 · Amount on Record
Deed Sale	Mar 27, 2017 · Amount on Record
Prior Sale	Mar 18, 2009 · Amount on Record
Deed Document Number	201717976
Last Transfer Date	Mar 1, 2025
Transfer Doc	0000008745
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Recording Date	Jun 25, 2026
Property Address	47304 MIDDLE BLUFF PL, STERLING, VA 20165-3128
Document Number	0000032872
Instrument Date	Jun 20, 2026
Instrument	202632872
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	47304 MIDDLE BLUFF PL, STERLING, VA 20165-3128

Mortgage

Document Number	0000032872,
Date	Jun 25, 2026
Instrument	202632872

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	47304 MIDDLE BLUFF PL, STERLING, VA 20165-3128
Transaction Type	Mortgage
Record Updated	Nov 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055177
Date	Nov 12, 2025
Instrument	20251112-0055177

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Dec 1, 2030

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	47304 MIDDLE BLUFF PL, STERLING, VA 20165-3128
Transaction Type	Mortgage
Record Updated	Dec 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048620
Date	Dec 7, 2023
Instrument	202312070048620

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 1, 2033

Interest

Rate Type	Fixed Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	47304 MIDDLE BLUFF PL, STERLING, VA 20165-3128
Document Number	20200818070178
Instrument Date	Aug 10, 2020
Transaction Type	Mortgage
Record Updated	Sep 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	47304 MIDDLE BLUFF PL STERLING VA 201653128, STERLING, VA 20165-3128

Mortgage

Document Number	20200818070178
Date	Aug 18, 2020
Instrument	70178

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 17, 2050

Interest

Rate Type	Fixed Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	47304 MIDDLE BLUFF PL, STERLING, VA 20165-3128
Document Number	20191202074445
Instrument Date	Nov 21, 2019
Transaction Type	Mortgage
Record Updated	Dec 24, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	47304 MIDDLE BLUFF PL STERLING VA 201653128, STERLING, VA 20165-3128

Mortgage

Document Number	20191202074445
Date	Dec 2, 2019
Instrument	74445

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	47304 MIDDLE BLUFF PL, STERLING, VA 20165-3128
Document Number	20181126067882
Instrument Date	Nov 15, 2018
Transaction Type	Mortgage
Record Updated	Dec 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20181126067882
Date	Nov 26, 2018
Instrument	67882

Lender

Name	FIRST SVGS BK
Type	Federal Savings Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 25, 2048

Interest

Rate Type	Fixed Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	47304 MIDDLE BLUFF PL, STERLING, VA 20165-3128
Document Number	20170626038724
Instrument Date	Jun 20, 2017
Transaction Type	Mortgage
Record Updated	Jul 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	47304 MIDDLE BLUFF PL STERLING VA 201653128, STERLING, VA 20165-3128

Mortgage

Document Number	20170626038724
Date	Jun 26, 2017
Instrument	38724

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2047

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LOUDOUN VA
Recording Date	Mar 27, 2017
Property Address	47304 MIDDLE BLUFF PL, STERLING, VA 20165-3128
Document Number	20170327017976
Instrument Date	Mar 27, 2017
Instrument	17976
Transaction Type	Transfer
Record Updated	Apr 5, 2017
Title Company	TITLE RESOURCES GUARANTY COMPANY, TITLE RESOURCES GUARANTY CO.

Transaction

Amount	Amount Recorded
Tax	$783.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	47304 MIDDLE BLUFF PL STERLING VA 201653128, STERLING, VA 20165-3128

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	$10,020.00 (+2.65%)	$1,244,830 (+2.66%) Land $279,600 Building $965,230	$1,244,830 (+2.66%) Land $279,600 Building $965,230
2025	$9,761.00 (+12.05%)	$1,212,610 (+21.79%) Land $279,600 Building $933,010	$1,212,610 (+21.79%) Land $279,600 Building $933,010
2023	$8,711.00	$995,630 Land $279,600 Building $716,030	$995,630 Land $279,600 Building $716,030

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 95% of Virginia
Wildfire Likelihood	Under 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 221 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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