Loudoun County property record for 109 Rector St, Sterling, VA 20164
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,152 sqft · built 1986 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $489,900 (Jul 2019) |
| Tax Bill | $4,757 (2023) |
| Deeds & Mortgages | Jun 2020 Mortgage Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 022-20-8623-000 |
| Primary APN | 022-20-8623-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,152 sqft Living Area |
| Gross Area | 2,688 sqft |
| 1st Floor Area | 576 sqft |
| Basement Area | 432 sqft |
| Finished Basement | 432 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Split Level |
| Exterior Material | Brick/Stone |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,583 sqft (0.219 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Old Parcel Number | /81/H/4///135/ |
|---|---|
| Street Address | 109 RECTOR ST |
| City | STERLING |
| State | VA |
| Zip | 20164-1938 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | SPR GROVE FARM S.B3 L.135 1061--1017 |
| Legal Subdivision | SPR GROVE FARM |
| Legal Lot Number | 135 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | STERLING |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 611400 |
Source: Loudoun County records · APN 022-20-8623-000
Assessment roll updated January 1, 2023 · Last verified October 2023
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 File |
|---|---|
| Mailing Address | 109 RECTOR ST, STERLING, VA 20164-1938 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FIN'L |
| Jul 03, 2019 | Warranty Deed, Transfer · Conventional Mortgage MCLEAN MTG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 03, 2019 · Amount on Record |
| Deed Sale | Jul 03, 2019 · Amount on Record |
| Deed Document Number | 201907030036759 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 109 RECTOR ST, STERLING, VA 20164-1938 |
| Document Number | 20200730063019 |
| Instrument Date | Jun 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 109 RECTOR ST STERLING VA 201641938, STERLING, VA 20164-1938 |
| Document Number | 20200730063019 |
|---|---|
| Date | Jul 30, 2020 |
| Instrument | 63019 |
| Name | CARDINAL FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 29, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Jul 03, 2019 |
| Property Address | 109 RECTOR ST, STERLING, VA 20164-1938 |
| Document Number | 20190703036759 |
| Instrument Date | Jul 02, 2019 |
| Instrument | 36759 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $489.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 RECTOR ST STERLING VA 201641938, STERLING, VA 20164-1938 |
| Document Number | 20190703036760 |
|---|---|
| Date | Jul 03, 2019 |
| Instrument | 36760 |
| Name | MCLEAN MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 02, 2049 |
| Rate Type | Fixed Rate |
|---|
Source: Loudoun County records · Assessment roll updated January 1, 2023 · Last verified October 2023
| Type | Name |
|---|---|
| State | Virginia |
| County | Loudoun County |
| Unified School District | Loudoun County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $4,757.00 | $543,770 Land $224,100 Building $319,670 | $543,770 Land $224,100 Building $319,670 |
Source: FEMA National Flood Hazard Layer as of June 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 | 5 in force |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Cox Communications Cable | 2,000 / 35 |
May also be available: Xfinity.
Based on FCC filings for 513 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LOUDOUN WATER - CENTRAL SYSTEM serves 334,808 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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