Loudoun County property record for 103 Elm Tree Ln, Sterling, VA 20164
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,980 sqft · built 1978 |
| Lot Size | 0.23 acres (10,018 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $577,050 (May 2021) |
| Tax Bill | $5,136 (2026) |
| Deeds & Mortgages | Sep 2026 Line of Credit May 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 014-15-2630-000 |
| Primary APN | 014-15-2630-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 1,980 sqft Living Area |
| 1st Floor Area | 938 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,018 sqft (0.23 acres) |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Porch | Open Porch |
| Porch Area | 168 sqft |
| Patio Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 103 ELM TREE LN |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20164-2407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | OAK TREE SUB DIV SEC.3 LOT 26 1004--411 |
| Legal Subdivision | OAK TREE SUB DIV |
| Legal Block | 3 |
| Legal Lot Number | 26 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | STERLING |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 611300 |
103 Elm Tree Ln is owned and occupied by two individuals who bought it in May 2021.
Source: Loudoun County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 103 ELM TREE LN, STERLING, VA 20164-2407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 18, 2026 | Deed of Trust, Mortgage · Line of Credit NORTHWEST FEDERAL CREDIT UNION |
| May 24, 2021 | Warranty Deed, Transfer · VA Mortgage MOVEMENT MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 24, 2021 · Amount on File |
| Deed Sale | May 24, 2021 · Amount on File |
| Prior Sale | Aug 14, 2014 |
| Deed Document Number | 202159251 |
| Prior Transfer Date | Aug 8, 2014 |
| Prior Transfer Doc | 201408140/045037 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Sep 18, 2026 |
| Property Address | 103 ELM TREE LN, STERLING, VA 20164-2407 |
| Document Number | 0000048866 |
| Instrument Date | Sep 4, 2026 |
| Instrument | 202648866 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 103 ELM TREE LN, STERLING, VA 20164-2407 |
| Document Number | 0000048866, |
|---|---|
| Date | Sep 18, 2026 |
| Instrument | 202648866 |
| Name | NORTHWEST FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Sep 10, 2051 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | May 24, 2021 |
| Property Address | 103 ELM TREE LN, STERLING, VA 20164-2407 |
| Document Number | 202105240059251 |
| Instrument Date | May 21, 2021 |
| Instrument | 202105240059251 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 103 ELM TREE LN, STERLING, VA 20164-2407 |
| Document Number | 202105240059252 |
|---|---|
| Date | May 24, 2021 |
| Instrument | 202105240059252 |
| Name | MOVEMENT MORTGAGE LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 103 Elm Tree Ln was $5,136, down 1.5% from the year before.
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 | $5,136.00 (-1.48%) | $638,060 (-1.47%) Land $234,400 Building $403,660 | $638,060 (-1.47%) Land $234,400 Building $403,660 |
| 2025 | $5,213.00 | $647,590 Land $234,400 Building $413,190 | $647,590 Land $234,400 Building $413,190 |
| 2023 | $4,889.00 | $558,780 Land $224,400 Building $334,380 | $558,780 Land $224,400 Building $334,380 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 Elm Tree Ln in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 103 Elm Tree Ln is low, with less than a 0.01% annual chance of 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.
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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