20102 Desert Forest Dr, Ashburn, VA 20147 Property Records

Loudoun County property record for 20102 Desert Forest Dr, Ashburn, VA 20147

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 5,115 sqft · built 2004
Lot Size	0.26 acres (11,325 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,453,000 (Jul 2026)
Tax Bill	$9,863 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Aug 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`115-48-6601-000`

Property Details

APN / Parcel Number

Primary APN	`115-48-6601-000`
Alternative APN	`62 56 1376`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Stories	2 Stories
Building Area	5,115 sqft Living Area
1st Floor Area	1,202 sqft
Basement Area	1,562 sqft
Finished Basement	1,562 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2010
Architectural Style	Colonial
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,325 sqft (0.26 acres)
Garage Type	Attached
Garage Area	498 sqft
Deck Area	Deck Area
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	20102 DESERT FOREST DR
City	ASHBURN
State	VA
Zip	20147-3176
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDH4
Legal Description	BELMONT LAND BAY V LOT 1376 200504010033398 200403240026078P
Legal Subdivision	BELMONT LAND BAY V
Legal Block	1
Legal Lot Number	1376
Jurisdiction	LOUDOUN VA
Township / Civil Division	ASHBURN
Census Block Group	1
Census Block	1013
Census Tract	611012

Owner

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

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 Record
Mailing Address	20102 DESERT FOREST DR, ASHBURN, VA 20147-3176
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2026	Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE
Aug 25, 2023	Warranty Deed, Transfer · ARM TD BANK NA
Jun 9, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Sep 27, 2021	Deed of Trust, Mortgage · Commercial Mortgage JOHN MARSHALL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2026 · Amount on Record
Deed Sale	Jul 24, 2026 · Amount on Record
Prior Sale	Aug 25, 2023 · Amount on Record
Deed Document Number	202638268
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LOUDOUN VA
Recording Date	Jul 24, 2026
Property Address	20102 DESERT FOREST DR, ASHBURN, VA 20147-3176
Document Number	0000038268
Instrument Date	Jul 23, 2026
Instrument	202638268
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$146,753.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20102 DESERT FOREST DR, ASHBURN, VA 20147-3176

Mortgage

Document Number	0000038269,
Date	Jul 24, 2026
Instrument	202638269

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Aug 25, 2023
Property Address	20102 DESERT FOREST DR, ASHBURN, VA 20147-3176
Document Number	0000034264
Instrument Date	Aug 24, 2023
Instrument	202308250034264
Transaction Type	Transfer
Record Updated	Sep 13, 2023
Title Company	EKKO TITLE

Transaction

Amount	Amount Recorded
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	20102 DESERT FOREST DR, ASHBURN, VA 20147-3176

Mortgage

Document Number	0000034265
Date	Aug 25, 2023
Instrument	202308250034265

Lender

Name	TD BANK NA

Agreement

Type	ARM
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Type Change Date	Sep 1, 2030
Change Frequency	6 Months
Margin	3

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	20102 DESERT FOREST DR, ASHBURN, VA 20147-3176
Transaction Type	Mortgage
Record Updated	Jul 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022282
Date	Jun 9, 2023
Instrument	202306090022282

Lender

Name	CITIZENS BANK NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 6, 2048

Interest

Rate Type	Adjustable Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	20102 DESERT FOREST DR, ASHBURN, VA 20147-3176
Transaction Type	Mortgage
Record Updated	Oct 13, 2021
Title Company	LEGACY PK TITLE LLC, LEGACY PARK TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202109270100491
Date	Sep 27, 2021
Instrument	202109270100491

Lender

Name	JOHN MARSHALL BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable 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	$9,863.00 (+3.39%)	$1,225,340 (+3.39%) Land $340,300 Building $885,040	$1,225,340 (+3.39%) Land $340,300 Building $885,040
2025	$9,540.00 (+3.25%)	$1,185,130 (+12.23%) Land $320,300 Building $864,830	$1,185,130 (+12.23%) Land $320,300 Building $864,830
2023	$9,240.00 (+14.4%)	$1,056,030 (+16.36%) Land $320,300 Building $735,730	$1,056,030 (+16.36%) Land $320,300 Building $735,730
2022	$8,077.00	$907,590 Land $245,300 Building $662,290	$907,590 Land $245,300 Building $662,290

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 · 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	1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 99% 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 410 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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