Loudoun County property record for 102 Elm Tree Ln, Sterling, VA 20164
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,821 sqft · built 1979 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $471,000 (Dec 2019) |
| Tax Bill | $5,168 (2026) |
| Deeds & Mortgages | Dec 2021 Refinance Dec 2019 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 014-15-1117-000 |
| Primary APN | 014-15-1117-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,821 sqft Living Area |
| 1st Floor Area | 773 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 567 sqft |
| Porch | Enclosed Porch |
| Porch Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 102 ELM TREE LN |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20164-2406 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | OAK TREE SUB DIV SEC.3 LOT 51 728--776 |
| Legal Subdivision | OAK TREE SUB DIV |
| Legal Block | 3 |
| Legal Lot Number | 51 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | STERLING |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 611300 |
Source: Loudoun County records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 102 ELM TREE LN, STERLING, VA 20164-2406 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 28, 2021 | Intrafamily Transfer, Transfer · Stand-Alone Refinance HOMESIDE FINANCIAL |
| Dec 23, 2019 | Warranty Deed, Transfer · FHA Mortgage HOMESIDE FIN'L |
| Apr 12, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Apr 12, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 23, 2019 · Amount on Record |
| Deed Sale | Dec 23, 2019 · Amount on Record |
| Prior Sale | Apr 12, 2017 |
| Deed Document Number | 201980232 |
| Last Transfer Date | Dec 21, 2021 |
| Transfer Doc | 0000125456 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Dec 28, 2021 |
| Property Address | 102 ELM TREE LN, STERLING, VA 20164-2406 |
| Document Number | 0000125456 |
| Instrument Date | Dec 21, 2021 |
| Instrument | 202112280125456 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 102 ELM TREE LN, STERLING, VA 20164-2406 |
| Document Number | 0000125457 |
|---|---|
| Date | Dec 28, 2021 |
| Instrument | 202112280125457 |
| Name | HOMESIDE FINANCIAL |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Dec 23, 2019 |
| Property Address | 102 ELM TREE LN, STERLING, VA 20164-2406 |
| Document Number | 20191223080232 |
| Instrument Date | Dec 19, 2019 |
| Instrument | 80232 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $471.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 102 ELM TREE LN STERLING VA 201642406, STERLING, VA 20164-2406 |
| Document Number | 20191223080233 |
|---|---|
| Date | Dec 23, 2019 |
| Instrument | 80233 |
| Name | HOMESIDE FIN'L |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 22, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Apr 12, 2017 |
| Property Address | 102 ELM TREE LN, STERLING, VA 20164-2406 |
| Document Number | 20170412021831 |
| Instrument Date | Mar 28, 2017 |
| Instrument | 21831 |
| Transaction Type | Transfer |
| Record Updated | Apr 18, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 102 ELM TREE LN STERLING VA 201642406, STERLING, VA 20164-2406 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Apr 12, 2017 |
| Property Address | 102 ELM TREE LN, STERLING, VA 20164-2406 |
| Document Number | 20170412021832 |
| Instrument Date | Mar 28, 2017 |
| Instrument | 21832 |
| Transaction Type | Transfer |
| Record Updated | Apr 18, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 102 ELM TREE LN STERLING VA 201642406, STERLING, VA 20164-2406 |
Source: Loudoun County assessment roll, as of September 18, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Loudoun County |
| Unified School District | Loudoun County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,168.00 (-1.73%) | $642,090 (-1.72%) Land $234,100 Building $407,990 | $642,090 (-1.72%) Land $234,100 Building $407,990 |
| 2025 | $5,259.00 (+7.88%) | $653,320 (+17.26%) Land $234,100 Building $419,220 | $653,320 (+17.26%) Land $234,100 Building $419,220 |
| 2023 | $4,875.00 | $557,160 Land $224,100 Building $333,060 | $557,160 Land $224,100 Building $333,060 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 15, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 394 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 / 2,000 |
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