Loudoun County property record for 103 Forest Ridge Dr, Sterling, VA 20164
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,890 sqft · built 1981 |
| Lot Size | 0.26 acres (11,325 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,611 (2026) |
| Deeds & Mortgages | Nov 2025 Mortgage May 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 023-37-5143-000 |
| Primary APN | 023-37-5143-000 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,890 sqft Living Area |
| 1st Floor Area | 1,000 sqft |
| Basement Area | 800 sqft |
| Finished Basement | 800 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,325 sqft (0.26 acres) |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Porch | Open Porch |
| Porch Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 103 FOREST RIDGE DR |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20164-2812 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | FOREST RIDGE SEC.3 LOT 121 200304140041494 1452--14 200503280031073 |
| Legal Subdivision | FOREST RIDGE |
| Legal Block | 2 |
| Legal Lot Number | 121 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | STERLING |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 611701 |
103 Forest Ridge Dr is owned and occupied by an individual who acquired it in March 2016.
Source: Loudoun County records, as of September 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 103 FOREST RIDGE DR, STERLING, VA 20164-2812 |
| 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 |
|---|---|
| Nov 24, 2025 | Deed of Trust, Mortgage UNLOCK PARTNERSHIP SOLUTIONS INC |
| May 1, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Mar 29, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance MUTUAL OF OMAHA MORTGAGE INC |
| Sep 12, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CHOU TEAM REALTY LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Mar 22, 2016 |
| Transfer Doc | 0000016639 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 103 FOREST RIDGE DR, STERLING, VA 20164-2812 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000057290 |
|---|---|
| Date | Nov 24, 2025 |
| Instrument | 20251124-0057290 |
| Name | UNLOCK PARTNERSHIP SOLUTIONS INC |
|---|---|
| Type | Non-Lending Institution |
| Address | TEMPE, AZ 85288 |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 103 FOREST RIDGE DR, STERLING, VA 20164-2812 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000015936 |
|---|---|
| Date | May 1, 2023 |
| Instrument | 202305010015936 |
| Name | BANK OF AMERICA NA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Apr 12, 2053 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 103 FOREST RIDGE DR, STERLING, VA 20164-2812 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000018854 |
|---|---|
| Date | Mar 29, 2022 |
| Instrument | 202203290018854 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 348 Months |
| Due | Mar 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.63% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 103 FOREST RIDGE DR, STERLING, VA 20164-2812 |
| Document Number | 20191025065664 |
| Instrument Date | Sep 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 103 FOREST RIDGE DR STERLING VA 201642812, STERLING, VA 20164-2812 |
| Document Number | 20191025065664 |
|---|---|
| Date | Oct 25, 2019 |
| Instrument | 65664 |
| Name | CHOU TEAM REALTY LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 24, 2049 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 103 Forest Ridge Dr was $5,611.
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 | $5,611.00 | $697,060 Land $235,300 Building $461,760 | $697,060 Land $235,300 Building $461,760 |
| 2023 | $5,117.00 | $584,890 Land $225,300 Building $359,590 | $584,890 Land $225,300 Building $359,590 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 Forest Ridge Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 103 Forest Ridge Dr 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 96% of the US · lower than 98% of Virginia |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 326 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 2,000 |
| Starlink Satellite | 280 / 30 |
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