20 Oak Ln, Sterling, VA 20165 Property Records

Loudoun County property record for 20 Oak Ln, Sterling, VA 20165

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,453 sqft · built 1961
Lot Size	1.15 acres (50,529 sqft)
Owner	2 Individual Names on File
Last Sale	$543,000 (Nov 2022)
Tax Bill	$6,249 (2026)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`019-40-4392-000`

Property Details

APN / Parcel Number

Primary APN	`019-40-4392-000`
Alternative APN	`81 C 2 5`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,453 sqft Living Area
1st Floor Area	1,400 sqft
Basement Area	1,053 sqft
Finished Basement	1,053 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1990
Architectural Style	Split Foyer
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	50,529 sqft
Garage Type	Basement
Garage Area	238 sqft
Patio Area	48 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20 OAK LN
City	STERLING
State	VA
Zip	20165-8624
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR1
Legal Description	ARL KEITH SUBD SEC.2 LOT 5 408--114 C 22704PLAT
Legal Subdivision	KEITH SUBD
Legal Block	2
Legal Lot Number	5
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	2
Census Block	2001
Census Tract	611207

Owner

20 Oak Ln is owned by two individuals who bought it in November 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	49 BICKEL CT, STERLING, VA 20165-5727
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2022 · Amount on File
Deed Sale	Nov 7, 2022 · Amount on File
Deed Document Number	202260927
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Nov 7, 2022
Property Address	20 OAK LN, STERLING, VA 20165-8624
Document Number	0000060927
Instrument Date	Jun 27, 2022
Instrument	202211070060927
Transaction Type	Transfer
Record Updated	Dec 7, 2022
Title Company	AMROCK INC, AMROCK LLC

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	49 BICKEL CT, STERLING, VA 20165-5727

Mortgage

Document Number	0000060928
Date	Nov 7, 2022
Instrument	202211070060928

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 20 Oak Ln was $6,249.

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	$6,249.00	$776,380 Land $458,000 Building $318,380	$776,380 Land $458,000 Building $318,380
2023	$5,499.00	$628,560 Land $286,600 Building $341,960	$628,560 Land $286,600 Building $341,960

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

Flood

FEMA maps place 20 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 20 Oak Ln is low, with 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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	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 361 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 / 250
T-Mobile Fixed Wireless	100 / 20