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Single Family ResidenceResidential
$873,889$279 / 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 96How 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 $725,000 on Dec 6, 2022

20628 CUTWATER PL

STERLING, VA 20165
4
Beds
3.5
Baths
3,136 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.
0.21 ac
Lot SizeThe size of the land the home sits on, from county records.
1994
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$874K
$836K low$912K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$725,000 · Dec 6, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,786 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$843,030 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$279,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$563,430
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$836,390
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$843,030

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.39
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
4
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.
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.0.21
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, Basement
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.DeckPatio · 316 ft²Porch · 32 ft²

Transaction History(4)

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.

E
Potowmack Elementary SchoolC
Elementary · Grades PK–5 · 0.5 mi
M
River Bend Middle SchoolB
Middle · Grades 6–8 · 0.5 mi
H
Potomac Falls High SchoolB
High · Grades 9–12 · 0.7 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

20628 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 69% of homes in Sterling 20165
  • Costs less per square foot than 67% of homes in Sterling 20165
  • Bigger than 73% of homes in Sterling 20165
  • Has a bigger lot than 68% of homes in Sterling 20165
  • Older than 73% 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
$372K$1.3M

This home is worth more than 69% 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$873,889
CheaperTypical $733,770Pricier

Pricier than 69% of homes nearby

Price per ft²$279
CheaperTypical $299Pricier

Pricier than 33% of homes nearby

Living area3,136 ft²
SmallerTypical 2,416 ft²Bigger

Bigger than 73% of homes nearby

Lot size0.21 ac
SmallerTypical 0.15 acBigger

Bigger than 68% of homes nearby

Year built1994
OlderTypical 1994Newer

Newer than 59% of homes nearby

How 20628 Cutwater Pl ranks against every home in each area.
MeasureThis homeSterling 20165Loudoun County
Estimated valuepricier than$873,88969% of homes57% of homes
Price per ft²pricier than$27933% of homes39% of homes
Living areabigger than3,136 ft²73% of homes61% of homes
Lot sizebigger than0.21 ac68% of homes55% of homes
Year builtnewer than199459% of homes27% of homes

About 20628 Cutwater Pl

How much is 20628 Cutwater Pl, Sterling, VA worth?

The TopHap Estimate for 20628 Cutwater Pl, Sterling, VA is $873,889 as of Aug 30, 2026. The likely range is $835,677 to $912,101. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20628 Cutwater Pl, Sterling, VA last sell?

20628 Cutwater Pl, Sterling, VA last sold on Dec 6, 2022 for $725,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 20628 Cutwater Pl, Sterling, VA?

20628 Cutwater Pl, Sterling, VA has 4 bedrooms, 3.5 bathrooms, 3,136 square feet of living space and a 0.21-acre lot.

When was 20628 Cutwater Pl, Sterling, VA built?

20628 Cutwater Pl, Sterling, VA was built in 1994, making it 32 years old. It is a colonial home. The building has 2 stories.

What schools serve 20628 Cutwater Pl, Sterling, VA?

20628 Cutwater Pl, Sterling, VA is assigned to Potowmack Elementary School (elementary), rated C; River Bend Middle School (middle), rated B; 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 20628 Cutwater Pl, Sterling, VA compare to other homes in Sterling 20165?

Among the 10,658 homes in Sterling 20165, it is worth more than 69% of them ($873,889 against a typical $733,770), its price per square foot is higher than 33% of them ($279 against a typical $299), it is bigger than 73% of them (3,136 ft² against a typical 2,416 ft²), its lot is bigger than 68% of them (0.21 ac against a typical 0.15 ac) and it is newer than 59% of them (1994 against a typical 1994). Measured against all of Loudoun County, it is worth more than 57% 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 20628 Cutwater Pl, Sterling, VA?

The 2026 property tax bill for 20628 Cutwater Pl, Sterling, VA was $6,786. The county assessed it at $843,030.

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