15 Oak Ln, Sterling, VA 20165 Property Records

Loudoun County property record for 15 Oak Ln, Sterling, VA 20165

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,002 sqft · built 1960
Lot Size	1.27 acres (55,756 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Mar 2026)
Tax Bill	$6,160 (2026)
Deeds & Mortgages	Apr 2025 Mortgage Jan 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`019-40-9358-000`

Property Details

APN / Parcel Number

Primary APN	`019-40-9358-000`
Alternative APN	`81 C 2 11`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,002 sqft Living Area
1st Floor Area	1,144 sqft
Basement Area	858 sqft
Finished Basement	858 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1985
Architectural Style	Split Foyer
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	55,756 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	78 sqft
Deck Area	Deck Area
Patio Area	152 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	15 OAK LN
City	STERLING
State	VA
Zip	20165-8625
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR1
Legal Description	ARL KEITH SUBD SEC.2 LOT 11 200808190050200 488--52 C 22704PLAT
Legal Subdivision	KEITH SUBD
Legal Block	2
Legal Lot Number	11
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	2
Census Block	2001
Census Tract	611207

Owner

15 Oak Ln is owned and occupied by two individuals who bought it in March 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	15 OAK LN, STERLING, VA 20165-8625
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2025	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Jan 8, 2025	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Mar 10, 2026	Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2026 · Amount on File
Deed Sale	Mar 10, 2026 · Amount on File
Deed Document Number	202611804
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	15 OAK LN, STERLING, VA 20165-8625
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 OAK LN, STERLING, VA 20165-8625

Mortgage

Document Number	0000014346
Date	Apr 3, 2025
Instrument	20250403-0014346

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Feb 1, 2055

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	15 OAK LN, STERLING, VA 20165-8625
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 OAK LN, STERLING, VA 20165-8625

Mortgage

Document Number	0000000637
Date	Jan 8, 2025
Instrument	20250108-0000637

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2055

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LOUDOUN VA
Recording Date	Mar 10, 2026
Property Address	15 OAK LN, STERLING, VA 20165-8625
Document Number	0000011804
Map Reference	MB 343 PG 536
Instrument Date	Mar 9, 2026
Instrument	20260310-0011804
Transaction Type	Transfer
Record Updated	Apr 1, 2026
Title Company	VESTA SETTLEMENTS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$765.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	15 OAK LN, STERLING, VA 20165-8625

Mortgage

Document Number	0000011805
Date	Mar 10, 2026
Instrument	20260310-0011805

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2046

Tax Assessment & Valuation

The 2026 property tax bill for 15 Oak Ln was $6,160, up 14.9% from the year before.

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	$6,160.00 (+14.95%)	$765,260 (+14.94%) Land $464,000 Building $301,260	$765,260 (+14.94%) Land $464,000 Building $301,260
2025	$5,359.00	$665,780 Land $322,800 Building $342,980	$665,780 Land $322,800 Building $342,980
2023	$5,254.00	$600,570 Land $287,800 Building $312,770	$600,570 Land $287,800 Building $312,770

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

Flood

FEMA maps place 15 Oak Ln 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	5 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

Wildfire risk around 15 Oak 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 93% of the US · lower than 95% 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.

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 639 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

May also be available: AT&T, T-Mobile.

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