Loudoun County property record for 107 Elm Tree Ln, Sterling, VA 20164
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,935 sqft · built 1979 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $499,900 (Oct 2005) |
| Tax Bill | $5,151 (2026) |
| Deeds & Mortgages | Aug 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 014-15-4023-000 |
| Primary APN | 014-15-4023-000 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,935 sqft Living Area |
| 1st Floor Area | 1,935 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Enclosed Porch |
| Porch Area | 174 sqft |
| Patio Area | 165 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 107 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 28 200510050113264 |
| Legal Subdivision | OAK TREE SUB DIV |
| Legal Block | 3 |
| Legal Lot Number | 28 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | STERLING |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 611300 |
107 Elm Tree Ln is owned and occupied by two individuals who bought it in October 2005.
Source: Loudoun County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 107 ELM TREE LN, STERLING, VA 20164-2407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 5, 2005 · Amount on File |
| Deed Sale | Oct 5, 2005 · Amount on File |
| Deed Document Number | 2005113264 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 107 ELM TREE LN, STERLING, VA 20164-2407 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2022 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0000046483 |
|---|---|
| Date | Aug 11, 2022 |
| Instrument | 202208110046483 |
| Name | BANK OF AMERICA NA |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 348 Months |
| Due | Aug 20, 2051 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 107 Elm Tree Ln was $5,151.
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 | $5,151.00 | $639,910 Land $234,700 Building $405,210 | $639,910 Land $234,700 Building $405,210 |
| 2023 | $4,727.00 | $540,340 Land $224,700 Building $315,640 | $540,340 Land $224,700 Building $315,640 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 107 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 107 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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