Loudoun County property record for 20440 Brightwater Pl, Sterling, VA 20165
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,932 sqft · built 1996 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $685,000 (Nov 2018) |
| Tax Bill | $7,535 (2026) |
| Deeds & Mortgages | Aug 2020 Mortgage Nov 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 011-40-4257-000 |
| Primary APN | 011-40-4257-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,932 sqft Living Area |
| 1st Floor Area | 1,352 sqft |
| Basement Area | 1,014 sqft |
| Finished Basement | 1,014 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Colonial |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Deck Area | Deck Area |
| Patio Area | 434 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 20440 BRIGHTWATER PL |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20165-3518 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDH4 |
| Legal Description | POTOMAC LAKES SEC.13-D LOT 87 1448--220 |
| Legal Subdivision | POTOMAC LAKE |
| Legal Block | 1 |
| Legal Lot Number | 87 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | ALGONKIAN |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 611202 |
20440 Brightwater Pl is owned and occupied by two individuals who bought it in November 2018.
Source: Loudoun County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20440 BRIGHTWATER PL, STERLING, VA 20165-3518 |
| 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 |
|---|---|
| Aug 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG |
| Nov 20, 2018 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 20, 2018 · Amount on File |
| Deed Sale | Nov 20, 2018 · Amount on File |
| Prior Sale | Aug 2, 1996 · Amount on File |
| Deed Document Number | 201867359 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20440 BRIGHTWATER PL, STERLING, VA 20165-3518 |
| Document Number | 20200911081411 |
| Instrument Date | Aug 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 20440 BRIGHTWATER PL STERLING VA 201653518, STERLING, VA 20165-3518 |
| Document Number | 20200911081411 |
|---|---|
| Date | Sep 11, 2020 |
| Instrument | 81411 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 10, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Nov 20, 2018 |
| Property Address | 20440 BRIGHTWATER PL, STERLING, VA 20165-3518 |
| Document Number | 20181120067359 |
| Instrument Date | Oct 19, 2018 |
| Instrument | 67359 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $685.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20440 BRIGHTWATER PL STERLING VA 201653518, STERLING, VA 20165-3518 |
| Document Number | 20181120067360 |
|---|---|
| Date | Nov 20, 2018 |
| Instrument | 67360 |
| Name | FAIRWAY INDEPENDENT MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 20440 Brightwater Pl was $7,535.
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 | $7,535.00 | $936,100 Land $280,400 Building $655,700 | $936,100 Land $280,400 Building $655,700 |
| 2023 | $7,344.00 | $839,380 Land $240,400 Building $598,980 | $839,380 Land $240,400 Building $598,980 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20440 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 20440 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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