47316 Middle Bluff Pl, Sterling, VA 20165 Property Records

Loudoun County property record for 47316 Middle Bluff Pl, Sterling, VA 20165

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 5,849 sqft · built 2000
Lot Size	0.26 acres (11,325 sqft)
Owner	2 Individual Names on File
Last Sale	$700,000 (Apr 2004)
Tax Bill	$9,899 (2026)
Deeds & Mortgages	May 2026 Line of Credit Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`005-16-1941-000`

Property Details

APN / Parcel Number

Primary APN	`005-16-1941-000`
Alternative APN	`65 4 186`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	5,849 sqft Living Area
1st Floor Area	2,036 sqft
Basement Area	1,400 sqft
Finished Basement	1,400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2010
Architectural Style	Colonial
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,325 sqft (0.26 acres)
Garage Type	Attached
Garage Area	400 sqft
Deck Area	Deck Area
Patio Area	391 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	47316 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.3A LOT 186 200404050030769
Legal Subdivision	SOUTH BANK
Legal Block	2
Legal Lot Number	186
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	2
Census Block	2002
Census Tract	611208

Owner

47316 Middle Bluff Pl is owned and occupied by two individuals who bought it in April 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	47316 MIDDLE BLUFF PL, STERLING, VA 20165-3128
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

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
May 12, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMIERCA NA
Nov 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Mar 31, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2004 · Amount on File
Deed Sale	Apr 5, 2004 · Amount on File
Prior Sale	Sep 13, 2000 · Amount on File
Deed Document Number	200430769
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Recording Date	May 12, 2026
Property Address	47316 MIDDLE BLUFF PL, STERLING, VA 20165-3128
Document Number	0000024375
Instrument Date	May 1, 2026
Instrument	202624375
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	47316 MIDDLE BLUFF PL, STERLING, VA 20165-3128

Mortgage

Document Number	0000024375,
Date	May 12, 2026
Instrument	202624375

Lender

Name	BANK OF AMIERCA NA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	47316 MIDDLE BLUFF PL, STERLING, VA 20165-3128
Document Number	20201124114771
Instrument Date	Nov 18, 2020
Transaction Type	Mortgage
Record Updated	Dec 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	47316 MIDDLE BLUFF PL STERLING VA 201653128, STERLING, VA 20165-3128

Mortgage

Document Number	20201124114771
Date	Nov 24, 2020
Instrument	114771

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 23, 2035

Interest

Rate Type	Fixed Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	47316 MIDDLE BLUFF PL, STERLING, VA 20165-3128
Document Number	20170414022222
Instrument Date	Mar 31, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	47316 MIDDLE BLUFF PL STERLING VA 201653128, STERLING, VA 20165-3128

Mortgage

Document Number	20170414022222
Date	Apr 14, 2017
Instrument	22222

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 13, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 47316 Middle Bluff Pl was $9,899, up 2.5% 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	$9,899.00 (+2.45%)	$1,229,810 (+2.46%) Land $280,100 Building $949,710	$1,229,810 (+2.46%) Land $280,100 Building $949,710
2025	$9,662.00	$1,200,290 Land $280,100 Building $920,190	$1,200,290 Land $280,100 Building $920,190
2023	$9,300.00	$1,062,900 Land $280,100 Building $782,800	$1,062,900 Land $280,100 Building $782,800

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

Flood

FEMA maps place 47316 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 47316 Middle Bluff Pl is low, with less than 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 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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