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47404 Middle Bluff Pl, Sterling, VA, 20165

4beds
5baths
5,084sqft
$1,300,000
$256price/sqft
$8,166/moest. monthly cost
$326,640/yrincome needed

About This Home

Welcome to this truly special home where thoughtful design, quality upgrades, and artistic charm come together beautifully. Lovingly cared for by the original owners, this home was built with extensive builder upgrades and stands as one of the neighborhood’s largest models. The coveted bump-out addition on both the main level and in the primary bedroom suite adds generous living space, while the spacious west-facing foyer and dramatic two-story family room create a bright, welcoming first impression. The main level was designed for both comfort and everyday function, with hardwood floors, a spacious flow, surround sound speakers, abundant closets, a laundry room with sink and shelving, and a convenient storage/coat closet off the two-car garage. Two separate staircases connect the main and upper levels, creating an easy, practical layout that moves beautifully through the home. Upstairs, the hardwood flooring continues, and every bedroom includes a ceiling fan for added comfort. The expansive loft is a standout feature, offering incredible flexibility and the kind of space that is hard to find. Generously sized enough to accommodate an additional bedroom, sitting area, and even a bathroom, this area offers exciting potential for future customization. With 13 ceiling fans throughout the home, two furnace units, a whole-house electronic air filter, and an alarm system, comfort and peace of mind were clearly prioritized at every level. The finished basement expands the living space even further with luxury vinyl flooring, surround sound speakers, and flexible room for recreation, entertaining, hobbies, or extended living. A dedicated workshop area with rolling wooden shelving that conveys adds useful storage and workspace, while extra garage storage provides even more functionality. Artistic touches give this home its unmistakable personality. The kitchen features a hand-painted backsplash, and murals throughout the home reflect the owner’s creative eye, bringing warmth, character, and a sense of whimsy to each space. Nothing here feels cookie-cutter; every detail has been thoughtfully considered. Outside, the artistry continues. The owner, an artist, treated the garden as another canvas, creating a lush, layered retreat through xeriscaping with native, drought-tolerant plants, mature greenery and garden paths. The deck, screened porch, patio, backyard electrical outlets, and peaceful landscaping create a private storybook setting for relaxing, entertaining, and enjoying the outdoors. Notable updates include a roof replacement and sun tunnels in 2021, replacement of the majority of the windows between 2018 and 2020, refinished hardwood floors in 2023, and updated bathrooms. Conveyances include the rolling wooden shelving in the basement, a simply safe security system, a dehumidifier connected to the sump pump, two concrete planters and a bidet attached to the main level powder room. The HOA includes a pool, baby pool, gazebo, walking trails, common areas, snow removal, and trash removal. Whimsical yet practical, artistic yet functional, upgraded yet full of heart, this is a rare opportunity to own a home with true character, comfort, and care in every detail.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
9
BikeSomewhat Bikeable

Schools

8/10
Horizon Elementary SchoolGrades PK-51.6 mi
5/10
6/10
Dominion High SchoolGrades PK-121.9 mi

Construction

Condition

  • Year built: 2000

Materials

  • Foundation: Slab
  • Construction materials: Masonry

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Built-In Range,Dishwasher,Disposal,Double Oven,Refrigerator,Stainless Steel Appliance(s),Washer,Dryer,Water Heater,Gas Water Heater

Basement

  • Area: 1778

Basement

  • Has basement: Yes
  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Air Filter System,Bathroom - Walk-In Shower,Ceiling Fan(s),Dining Area,Walk-In Closet(s)
  • Window features: Skylight(s),Window Treatments
  • Flooring: Wood
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 1,060
  • Finished area above ground: 4,024

Heating & Cooling

  • Heating features: Central,Natural Gas
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 5,802
  • Total interior livable area: 5,084 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 006473991000
  • Zoning: PDH4
  • Special condition: Standard

Features

  • Levels: Four
  • Stories: 4
  • Pool features: Community
  • Fencing: Full

Lot

  • Lot size: 0.26 Acres
  • Features: Landscaped

Parking

  • Total spaces: 4
  • Parking features: Garage Faces Side,Storage,Garage Door Opener,Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Winter Weather

FEMA Declared Disasters Across Virginia Counties

Severe Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $6,573$78,876
Home Insurance *$232$2,784
Property Taxes $872$10,464
Electricity $489$5,876
Total$8,166$97,992
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$279,977/yr
40% on housing$244,980/yr
45% on housing$217,760/yr

Virginia FAIR Plan Programs

Virginia Property Insurance Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 22,622Commercial: 503
Total Premiums$20.86M
Total Exposure$4.29B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.8%
10.8%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: -0.8%
-0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$256This listing

vs Other Active Listings

Avg $/sqft

ZIP 20165$288
Loudoun County$304

vs Homes Sold Last Month

Median $/sqft

ZIP 20165$258
Loudoun County$270

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-16Listed for sale$1,300,000
2000-08-04Sold$460,575

For Sale by Agent

AgentAlex Londono
BrokerageCENTURY 21 New Millennium

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