108 Elm Tree Ln, Sterling, VA 20164 Property Records

Loudoun County property record for 108 Elm Tree Ln, Sterling, VA 20164

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,986 sqft · built 1979
Lot Size	0.21 acres (9,147 sqft)
Owner	Individual Name on File
Last Sale	$605,000 (Sep 2021)
Tax Bill	$5,183 (2026)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`014-15-3308-000`

Property Details

APN / Parcel Number

Primary APN	`014-15-3308-000`
Alternative APN	`81/3/48`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,986 sqft Living Area
1st Floor Area	819 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1995
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,147 sqft (0.21 acres)
Garage Type	Detached
Garage Area	480 sqft
Porch	Open Porch
Porch Area	255 sqft
Patio Area	143 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	108 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 48 1126--1256
Legal Subdivision	OAK TREE SUB DIV
Legal Block	3
Legal Lot Number	48
Jurisdiction	LOUDOUN VA
Township / Civil Division	STERLING
Census Block Group	3
Census Block	3000
Census Tract	611300

Owner

Source: Loudoun County records, as of September 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	108 ELM TREE LN, STERLING, VA 20164-2406
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2021	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HOME LOANS
Oct 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 11, 2018	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2021 · Amount on File
Deed Sale	Sep 9, 2021 · Amount on File
Prior Sale	Jul 11, 2018 · Amount on File
Deed Document Number	202194965
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Sep 9, 2021
Property Address	108 ELM TREE LN, STERLING, VA 20164-2406
Document Number	202109090094965
Instrument Date	Aug 8, 2021
Instrument	202109090094965
Transaction Type	Transfer
Record Updated	Sep 22, 2021
Title Company	CHAMPION TITLE AGENCY, CHAMPION TITLE & SETTLEMENTS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 ELM TREE LN, STERLING, VA 20164-2406

Mortgage

Document Number	202109090094966
Date	Sep 9, 2021
Instrument	202109090094966

Lender

Name	VETERANS UNITED HOME LOANS

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	108 ELM TREE LN, STERLING, VA 20164-2406
Document Number	20201109107977
Instrument Date	Oct 30, 2020
Transaction Type	Mortgage
Record Updated	Dec 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 ELM TREE LN STERLING VA 201642406, STERLING, VA 20164-2406

Mortgage

Document Number	20201109107977
Date	Nov 9, 2020
Instrument	107977

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 8, 2050

Interest

Rate Type	Fixed Rate

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Jul 11, 2018
Property Address	108 ELM TREE LN, STERLING, VA 20164-2406
Document Number	20180711039985
Instrument Date	Jul 10, 2018
Instrument	39985
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$419.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 ELM TREE LN STERLING VA 201642406, STERLING, VA 20164-2406

Mortgage

Document Number	20180711039986
Date	Jul 11, 2018
Instrument	39986

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Loudoun County assessment roll, as of September 18, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Loudoun County
Unified School District	Loudoun County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,183.00 (+5.11%)	$643,880 (+14.25%) Land $233,800 Building $410,080	$643,880 (+14.25%) Land $233,800 Building $410,080
2023	$4,931.00	$563,570 Land $223,800 Building $339,770	$563,570 Land $223,800 Building $339,770

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

108 Elm Tree Ln, Sterling, VA 20164 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

September 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

October 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

July 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Elm Tree Ln

Nearby Streets

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