20485 Morningside Ter, Sterling, VA 20165 Property Records

Loudoun County property record for 20485 Morningside Ter, Sterling, VA 20165

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,942 sqft · built 1996
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on File
Last Sale	$478,000 (Sep 2021)
Tax Bill	$4,517 (2026)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`011-37-7055-000`

Property Details

APN / Parcel Number

Primary APN	`011-37-7055-000`
Alternative APN	`81 V 8 3`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,942 sqft Living Area
1st Floor Area	624 sqft
Basement Area	544 sqft
Finished Basement	544 sqft
Sunroom	Sunroom
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2000
Architectural Style	Townhouse
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,742 sqft (0.04 acres)
Deck Area	Deck Area
Patio Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	20485 MORNINGSIDE TER
City	STERLING
State	VA
Zip	20165-3556
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PDH4
Legal Description	POTOMAC LAKES SEC.11-B LOT 3 201105020027364
Legal Subdivision	POTOMAC LAKE
Legal Block	2
Legal Lot Number	3
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	2
Census Block	2001
Census Tract	611202

Owner

20485 Morningside Ter, a townhouse, is owned and occupied by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	20485 MORNINGSIDE TER, STERLING, VA 20165-3556
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Jul 26, 2019	Deed of Trust, Mortgage · Conventional with PMI FIRST FIDELITY FNDG GRP
Aug 1, 2017	Warranty Deed, Transfer STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2021 · Amount on File
Deed Sale	Sep 23, 2021 · Amount on File
Prior Sale	Aug 1, 2017 · Amount on File
Deed Document Number	202199600
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Sep 23, 2021
Property Address	20485 MORNINGSIDE TER, STERLING, VA 20165-3556
Document Number	202109230099600
Instrument Date	Sep 21, 2021
Instrument	202109230099600
Transaction Type	Transfer
Record Updated	Oct 14, 2021
Title Company	CARDINAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
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	20485 MORNINGSIDE TER, STERLING, VA 20165-3556

Mortgage

Document Number	202109230099601
Date	Sep 23, 2021
Instrument	202109230099601

Lender

Name	AMERICAN FINANCIAL NETWORK INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	20485 MORNINGSIDE TER, STERLING, VA 20165-3556
Document Number	20190731043411
Instrument Date	Jul 26, 2019
Transaction Type	Mortgage
Record Updated	Aug 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20485 MORNINGSIDE TER STERLING VA 201653556, STERLING, VA 20165-3556

Mortgage

Document Number	20190731043411
Date	Jul 31, 2019
Instrument	43411

Lender

Name	FIRST FIDELITY FNDG GRP

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2049

Interest

Rate Type	Fixed Rate

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Aug 1, 2017
Property Address	20485 MORNINGSIDE TER, STERLING, VA 20165-3556
Document Number	20170801047596
Instrument Date	Jul 28, 2017
Instrument	47596
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$365.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20485 MORNINGSIDE TER STERLING VA 201653556, STERLING, VA 20165-3556

Mortgage

Document Number	20170801047597
Date	Aug 1, 2017
Instrument	47597

Lender

Name	STEARNS LNDG

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 31, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 20485 Morningside Ter was $4,517.

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	$4,517.00	$561,190 Land $225,000 Building $336,190	$561,190 Land $225,000 Building $336,190
2023	$4,322.00	$494,020 Land $175,000 Building $319,020	$494,020 Land $175,000 Building $319,020

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 20485 Morningside Ter in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 15, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 20485 Morningside Ter 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

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 558 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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