Loudoun County property record for 20237 Water Mark Pl, Sterling, VA 20165
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 4,813 sqft · built 1997 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,190,000 (Jan 2019) |
| Tax Bill | $11,230 (2025) |
| Deeds & Mortgages | Sep 2021 Refinance Feb 2019 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 002-25-9058-000 |
| Primary APN | 002-25-9058-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 17 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 4,813 sqft Living Area |
| 1st Floor Area | 1,332 sqft |
| Basement Area | 1,345 sqft |
| Finished Basement | 1,345 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Colonial |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,227 sqft (0.12 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Deck Area | Deck Area |
| Patio Area | 330 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 20237 WATER MARK PL |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20165-5134 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDH4 |
| Legal Description | CASCADES SEC.13 LOT 27 200405210050187 |
| Legal Subdivision | CASCADES |
| Legal Block | 1 |
| Legal Lot Number | 27 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | ALGONKIAN |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 611208 |
Source: Loudoun County records · APN 002-25-9058-000
Assessment roll updated August 11, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20237 WATER MARK PL, STERLING, VA 20165-5134 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 24, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FIRST SAVINGS MORTGAGE CORPORATION |
| Feb 28, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST NAT'L BK/PA |
| Feb 05, 2019 | Deed of Trust, Mortgage FIRST SVGS MTG |
| Jan 07, 2019 | Warranty Deed, Transfer FIRST SVGS MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 07, 2019 · Amount on Record |
| Deed Sale | Jan 07, 2019 · Amount on Record |
| Prior Sale | May 21, 2004 · Amount on Record |
| Deed Document Number | 2019923 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20237 WATER MARK PL, STERLING, VA 20165-5134 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202109240099783 |
|---|---|
| Date | Sep 24, 2021 |
| Instrument | 202109240099783 |
| Name | FIRST SAVINGS MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.88% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20237 WATER MARK PL, STERLING, VA 20165-5134 |
| Document Number | 20190320013049 |
| Instrument Date | Feb 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 20237 WATER MARK PL STERLING VA 201655134, STERLING, VA 20165-5134 |
| Document Number | 20190320013049 |
|---|---|
| Date | Mar 20, 2019 |
| Instrument | 13049 |
| Name | FIRST NAT'L BK/PA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 264 Months |
| Due | Mar 19, 2041 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20237 WATER MARK PL, STERLING, VA 20165-5134 |
| Document Number | 20190211006449 |
| Instrument Date | Feb 05, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2019 |
| Name | Verified Name |
|---|---|
| Address | 20237 WATER MARK PL STERLING VA 201655134, STERLING, VA 20165-5134 |
| Document Number | 20190211006449 |
|---|---|
| Date | Feb 11, 2019 |
| Instrument | 6449 |
| Name | FIRST SVGS MTG |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Feb 10, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Jan 07, 2019 |
| Property Address | 20237 WATER MARK PL, STERLING, VA 20165-5134 |
| Document Number | 20190107000923 |
| Instrument Date | Jan 07, 2019 |
| Instrument | 923 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,190.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20237 WATER MARK PL STERLING VA 201655134, STERLING, VA 20165-5134 |
| Document Number | 20190107000924 |
|---|---|
| Date | Jan 07, 2019 |
| Instrument | 924 |
| Name | FIRST SVGS MTG |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|
| Rate Type | Adjustable Rate |
|---|
Source: Loudoun County records · Assessment roll updated August 11, 2025 · Last verified July 2026
| 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 |
|---|---|---|---|
| 2025 | $11,230.00 (+6.06%) | $1,395,040 (+15.28%) Land $398,700 Building $996,340 | $1,395,040 (+15.28%) Land $398,700 Building $996,340 |
| 2023 | $10,588.00 | $1,210,120 Land $358,700 Building $851,420 | $1,210,120 Land $358,700 Building $851,420 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 2 (2008–2020) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2020 · other causes |
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 |
| Xfinity Cable | 2,000 / 250 |
May also be available: Cox Communications.
Based on FCC filings for 110 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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