Loudoun County property record for 20437 Brightwater Pl, Sterling, VA 20165
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,608 sqft · built 1997 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $620,000 (Dec 2018) |
| Tax Bill | $7,141 (2026) |
| Deeds & Mortgages | Nov 2021 Refinance Nov 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 011-40-4077-000 |
| Primary APN | 011-40-4077-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,608 sqft Living Area |
| 1st Floor Area | 1,026 sqft |
| Basement Area | 1,034 sqft |
| Finished Basement | 1,034 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Colonial |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Deck Area | Deck Area |
| Patio Area | 204 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 20437 BRIGHTWATER PL |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20165-3519 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDH4 |
| Legal Description | POTOMAC LAKES SEC.13-D LOT 51 201005050026058 D/G 201004210022881 Q/C 1513--766 |
| Legal Subdivision | POTOMAC LAKE |
| Legal Block | 1 |
| Legal Lot Number | 51 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | ALGONKIAN |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 611202 |
20437 Brightwater Pl is owned and occupied by two individuals who bought it in December 2018.
Source: Loudoun County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20437 BRIGHTWATER PL, STERLING, VA 20165-3519 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance STRONG HOME MORTGAGE LLC |
| Nov 3, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance STRONG HOME MORTGAGE LLC |
| Aug 3, 2020 | Deed of Trust, Mortgage · Conventional with PMI STRONG HM MTG LLC |
| May 9, 2019 | Deed of Trust, Mortgage · Conventional with PMI JG WENTWORTH HM LNDG |
| Dec 13, 2018 | Warranty Deed, Transfer · Conventional with PMI JG WENTWORTH HM LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 13, 2018 · Amount on File |
| Deed Sale | Dec 13, 2018 · Amount on File |
| Prior Sale | Jul 31, 1997 · Amount on File |
| Deed Document Number | 201871415 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20437 BRIGHTWATER PL, STERLING, VA 20165-3519 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000116583 |
|---|---|
| Date | Nov 22, 2021 |
| Instrument | 202111220116583 |
| Name | STRONG HOME MORTGAGE LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Dec 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.63% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20437 BRIGHTWATER PL, STERLING, VA 20165-3519 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000111950 |
|---|---|
| Date | Nov 3, 2021 |
| Instrument | 202111030111950 |
| Name | STRONG HOME MORTGAGE LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.63% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20437 BRIGHTWATER PL, STERLING, VA 20165-3519 |
| Document Number | 20200807066359 |
| Instrument Date | Aug 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 20437 BRIGHTWATER PL STERLING VA 201653519, STERLING, VA 20165-3519 |
| Document Number | 20200807066359 |
|---|---|
| Date | Aug 7, 2020 |
| Instrument | 66359 |
| Name | STRONG HM MTG LLC |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 6, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20437 BRIGHTWATER PL, STERLING, VA 20165-3519 |
| Document Number | 20190513024172 |
| Instrument Date | May 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 20437 BRIGHTWATER PL STERLING VA 201653519, STERLING, VA 20165-3519 |
| Document Number | 20190513024172 |
|---|---|
| Date | May 13, 2019 |
| Instrument | 24172 |
| Name | JG WENTWORTH HM LNDG |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 12, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Dec 13, 2018 |
| Property Address | 20437 BRIGHTWATER PL, STERLING, VA 20165-3519 |
| Document Number | 20181213071415 |
| Instrument Date | Dec 11, 2018 |
| Instrument | 71415 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $620.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20437 BRIGHTWATER PL STERLING VA 201653519, STERLING, VA 20165-3519 |
| Document Number | 20181213071416 |
|---|---|
| Date | Dec 13, 2018 |
| Instrument | 71416 |
| Name | JG WENTWORTH HM LNDG |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 20437 Brightwater Pl was $7,141.
Source: Loudoun County assessment roll, as of September 18, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Loudoun County |
| Unified School District | Loudoun County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,141.00 | $887,120 Land $279,500 Building $607,620 | $887,120 Land $279,500 Building $607,620 |
| 2023 | $6,751.00 | $771,650 Land $239,500 Building $532,150 | $771,650 Land $239,500 Building $532,150 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20437 Brightwater Pl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 risk around 20437 Brightwater Pl 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 221 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 |
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