203 Spruce Ct, Sterling, VA 20164 Property Records

Loudoun County property record for 203 Spruce Ct, Sterling, VA 20164

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,639 sqft · built 1975
Lot Size	0.26 acres (11,325 sqft)
Owner	2 Company Names on Record
Tax Bill	$4,493 (2026)
Deeds & Mortgages	Sep 2023 Refinance
Flood Zone	Zone X (minimal risk)
APN	`032-26-9160-000`

Property Details

APN / Parcel Number

Primary APN	`032-26-9160-000`
Alternative APN	`80 A 2 28`

Interior

Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,639 sqft Living Area
1st Floor Area	924 sqft
Basement Area	715 sqft
Finished Basement	715 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1995
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,325 sqft (0.26 acres)
Garage Type	Attached
Garage Area	294 sqft
Deck Area	Deck Area
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	203 SPRUCE CT
City	STERLING
State	VA
Zip	20164-5311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	FOXLEE SUB DIV SEC.1 LOT 28 1803--1966 NEED D/C
Legal Subdivision	FOXLEE SUB DIV
Legal Block	2
Legal Lot Number	28
Jurisdiction	LOUDOUN VA
Township / Civil Division	STERLING
Census Block Group	2
Census Block	2000
Census Tract	611601

Owner

Source: Loudoun County records, as of September 18, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	203 SPRUCE CT, STERLING, VA 20164-5311
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 28, 2025
Transfer Doc	0000013257
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	203 SPRUCE CT, STERLING, VA 20164-5311
Transaction Type	Mortgage
Record Updated	Sep 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036445
Date	Sep 12, 2023
Instrument	202309120036445

Lender

Name	BANK OF AMERICA NA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Aug 31, 2053

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	$4,493.00 (-2.54%)	$558,220 (+5.94%) Land $235,300 Building $322,920	$558,220 (+5.94%) Land $235,300 Building $322,920
2023	$4,610.00	$526,900 Land $225,300 Building $301,600	$526,900 Land $225,300 Building $301,600

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 96% of the US · lower than 98% 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 235 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35