75 S Cottage Rd, Sterling, VA 20164 Property Records

Loudoun County property record for 75 S Cottage Rd, Sterling, VA 20164

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,916 sqft · built 1985
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$480,000 (Jan 2018)
Tax Bill	$6,018 (2026)
Deeds & Mortgages	Feb 2024 Second Mortgage Nov 2022 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`012-16-4932-000`

Property Details

APN / Parcel Number

Primary APN	`012-16-4932-000`
Alternative APN	`81 I 4 63`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,916 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Brick/Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	336 sqft
Deck Area	Deck Area
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	75 S COTTAGE RD
City	STERLING
State	VA
Zip	20164-5529
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDH4
Legal Description	SENECA CHASE SEC.3B LOT 63 1026--753
Legal Subdivision	SENECA CHASE
Legal Block	2
Legal Lot Number	63
Jurisdiction	LOUDOUN VA
Township / Civil Division	STERLING
Census Block Group	2
Census Block	2004
Census Tract	611205

Owner

75 S Cottage Rd is owned and occupied by two individuals who bought it in January 2018.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	75 S COTTAGE RD, STERLING, VA 20164-5529
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Nov 16, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Feb 28, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Oct 20, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Jan 16, 2018	Warranty Deed, Transfer · FHA Mortgage CITY LNDG
Jul 28, 2017	Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2018 · Amount on File
Deed Sale	Jan 16, 2018 · Amount on File
Prior Sale	Jul 28, 2017 · Amount on File
Deed Document Number	20182596
Prior Transfer Date	Jul 26, 2017
Prior Transfer Doc	0000046546
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	75 S COTTAGE RD, STERLING, VA 20164-5529
Transaction Type	Mortgage
Record Updated	Mar 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005969
Date	Feb 16, 2024
Instrument	202402160005969

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	335 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	75 S COTTAGE RD, STERLING, VA 20164-5529
Transaction Type	Mortgage
Record Updated	Dec 7, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000062321
Date	Nov 16, 2022
Instrument	202211160062321

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	350 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	75 S COTTAGE RD, STERLING, VA 20164-5529
Transaction Type	Mortgage
Record Updated	Mar 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011922
Date	Feb 28, 2022
Instrument	202202280011922

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	75 S COTTAGE RD, STERLING, VA 20164-5529
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000107543
Date	Oct 20, 2021
Instrument	202110200107543

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Jan 16, 2018
Property Address	75 S COTTAGE RD, STERLING, VA 20164-5529
Document Number	20180116002596
Instrument Date	Jan 12, 2018
Instrument	2596
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	75 S COTTAGE RD STERLING VA 201645529, STERLING, VA 20164-5529

Mortgage

Document Number	20180116002597
Date	Jan 16, 2018
Instrument	2597

Lender

Name	CITY LNDG

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

July 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	LOUDOUN VA
Recording Date	Jul 28, 2017
Property Address	75 S COTTAGE RD, STERLING, VA 20164-5529
Document Number	20170728046546
Instrument Date	Jul 26, 2017
Instrument	46546
Transaction Type	Foreclosure
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$339.00
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	19227 BURNT BRIDGE DR LEESBURG VA 201761265, LEESBURG, VA 20176-1265
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 75 S Cottage Rd was $6,018, up 4.1% 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	$6,018.00 (+4.06%)	$747,610 (+4.06%) Land $279,400 Building $468,210	$747,610 (+4.06%) Land $279,400 Building $468,210
2025	$5,783.00	$718,430 Land $254,400 Building $464,030	$718,430 Land $254,400 Building $464,030
2023	$5,283.00	$603,870 Land $229,400 Building $374,470	$603,870 Land $229,400 Building $374,470

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

Flood

FEMA maps place 75 S Cottage Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2006.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	6 (2006–2013)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Apr 2013 · rainfall accumulation

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

Wildfire risk around 75 S Cottage Rd 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 99.1% of the US · lower than 99.6% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 531 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

May also be available: AT&T, T-Mobile.

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