87 S Cottage Rd, Sterling, VA 20164 Property Records

Loudoun County property record for 87 S Cottage Rd, Sterling, VA 20164

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,804 sqft · built 1984
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$507,000 (Apr 2020)
Tax Bill	$5,645 (2026)
Deeds & Mortgages	Aug 2021 Refinance Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012-16-8143-000`

Property Details

APN / Parcel Number

Primary APN	`012-16-8143-000`
Alternative APN	`81 I 2 55`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,804 sqft Living Area
1st Floor Area	1,232 sqft
Basement Area	572 sqft
Finished Basement	572 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2005
Architectural Style	Split Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	480 sqft

Exterior Amenities

Porch	Porch
Porch Area	100 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	87 S COTTAGE RD
City	STERLING
State	VA
Zip	20164-5534
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDH4
Legal Description	SENECA CHASE SEC.2 LOT 55 200501280010710
Legal Subdivision	SENECA CHASE
Legal Block	2
Legal Lot Number	55
Jurisdiction	LOUDOUN VA
Township / Civil Division	STERLING
Census Block Group	2
Census Block	2004
Census Tract	611205

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	Individual Name on Record
Mailing Address	87 S COTTAGE RD, STERLING, VA 20164-5534
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BETTER MORTGAGE CORPORATION
Apr 21, 2020	Warranty Deed, Transfer · Conventional with PMI ATLANTIC COAST MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2020 · Amount on Record
Deed Sale	Apr 21, 2020 · Amount on Record
Prior Sale	Jan 28, 2005 · Amount on Record
Deed Document Number	202027865
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	87 S COTTAGE RD, STERLING, VA 20164-5534
Transaction Type	Mortgage
Record Updated	Sep 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202108170087469
Date	Aug 17, 2021
Instrument	202108170087469

Lender

Name	BETTER MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Apr 21, 2020
Property Address	87 S COTTAGE RD, STERLING, VA 20164-5534
Document Number	20200421027865
Instrument Date	Apr 20, 2020
Instrument	27865
Transaction Type	Transfer
Record Updated	May 5, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$507.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	87 S COTTAGE RD STERLING VA 201645534, STERLING, VA 20164-5534

Mortgage

Document Number	20200421027866
Date	Apr 21, 2020
Instrument	27866

Lender

Name	ATLANTIC COAST MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 20, 2050

Interest

Rate Type	Fixed Rate

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	$5,645.00 (+24.86%)	$701,250 (+35.7%) Land $280,200 Building $421,050	$701,250 (+35.7%) Land $280,200 Building $421,050
2023	$4,521.00	$516,760 Land $230,200 Building $286,560	$516,760 Land $230,200 Building $286,560

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 · 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

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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