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Single Family ResidenceResidential
$1,178,459$355 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $980,000 on Jul 21, 2021

20595 CUTWATER PL

STERLING, VA 20165
4
Beds
5 / 1
Baths
3,315 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.29 ac
Lot SizeThe size of the land the home sits on, from county records.
1991
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$1.2M
$1.1M low$1.2M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$980,000 · Jul 21, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,985 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$991,890 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$255,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$736,490
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$932,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$991,890

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.44
14
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
15
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
78
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
80
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
34
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.24 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountyLoudoun
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2003
Lot (acres)The size of the land the home sits on, from county records.0.29
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 2,292 ft²Porch · 104 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
River Bend Middle SchoolB
Middle · Grades 6–8 · 0.4 mi
E
Potowmack Elementary SchoolC
Elementary · Grades PK–5 · 0.6 mi
H
Potomac Falls High SchoolB
High · Grades 9–12 · 0.6 mi

District: Loudoun County Public Schools

Neighborhood · ZIP 20165These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.71
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.37

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.98%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.41%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.2.2%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.34,365
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,477 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$168,530
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$209,771
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.42 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

20595 Cutwater Pl measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 95% of homes in Sterling 20165
  • Bigger than 91% of homes in Sterling 20165
  • Has a bigger lot than 88% of homes in Sterling 20165
  • Older than 78% of homes in Loudoun County

What homes are worth in Sterling 20165

Each bar is how many homes fall in that price range. The marker is this home.

This home
$374K$1.3M

This home is worth more than 95% of homes in Sterling 20165.

How it measures up in Sterling 20165

The dot is this home. The mark in the middle is the typical home in Sterling 20165.

Estimated value$1,178,459
CheaperTypical $736,542Pricier

Pricier than 95% of homes nearby

Price per ft²$355
CheaperTypical $339Pricier

Pricier than 60% of homes nearby

Living area3,315 ft²
SmallerTypical 2,282 ft²Bigger

Bigger than 91% of homes nearby

Lot size0.29 ac
SmallerTypical 0.15 acBigger

Bigger than 88% of homes nearby

Year built1991
OlderTypical 1994Newer

Newer than 33% of homes nearby

How 20595 Cutwater Pl ranks against every home in each area.
MeasureThis homeSterling 20165Loudoun County
Estimated valuepricier than$1,178,45995% of homes81% of homes
Price per ft²pricier than$35560% of homes63% of homes
Living areabigger than3,315 ft²91% of homes77% of homes
Lot sizebigger than0.29 ac88% of homes72% of homes
Year builtnewer than199133% of homes22% of homes

About 20595 Cutwater Pl

How much is 20595 Cutwater Pl, Sterling, VA worth?

The TopHap Estimate for 20595 Cutwater Pl, Sterling, VA is $1,178,459 as of Aug 30, 2026. The likely range is $1,120,020 to $1,236,898. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20595 Cutwater Pl, Sterling, VA last sell?

20595 Cutwater Pl, Sterling, VA last sold on Jul 21, 2021 for $980,000, according to the county's recorded deed.

How big is 20595 Cutwater Pl, Sterling, VA?

20595 Cutwater Pl, Sterling, VA has 4 bedrooms, 5 bathrooms, 3,315 square feet of living space and a 0.29-acre lot.

When was 20595 Cutwater Pl, Sterling, VA built?

20595 Cutwater Pl, Sterling, VA was built in 1991, making it 35 years old. It is a colonial home. The building has 2 stories.

What schools serve 20595 Cutwater Pl, Sterling, VA?

20595 Cutwater Pl, Sterling, VA is assigned to River Bend Middle School (middle), rated B; Potowmack Elementary School (elementary), rated C; Potomac Falls High School (high), rated B. All sit in Loudoun County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20595 Cutwater Pl, Sterling, VA compare to other homes in Sterling 20165?

Among the 10,655 homes in Sterling 20165, it is worth more than 95% of them ($1,178,459 against a typical $736,542), its price per square foot is higher than 60% of them ($355 against a typical $339), it is bigger than 91% of them (3,315 ft² against a typical 2,282 ft²), its lot is bigger than 88% of them (0.29 ac against a typical 0.15 ac) and it is newer than 33% of them (1991 against a typical 1994). Measured against all of Loudoun County, it is worth more than 81% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 20595 Cutwater Pl, Sterling, VA?

The 2025 property tax bill for 20595 Cutwater Pl, Sterling, VA was $7,985. The county assessed it at $991,890.

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