20487 Morningside Ter, Sterling, VA 20165 Property Records

Loudoun County property record for 20487 Morningside Ter, Sterling, VA 20165

Property Summary

Property Type	Townhouse
Details	2 bd · 2.5 ba · 1,720 sqft · built 1996
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on File
Last Sale	$5,460,000 (May 2021)
Tax Bill	$4,334 (2026)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`011-37-7057-000`

Property Details

APN / Parcel Number

Primary APN	`011-37-7057-000`
Alternative APN	`81 V 8 2`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,720 sqft Living Area
1st Floor Area	600 sqft
Basement Area	480 sqft
Finished Basement	480 sqft
Sunroom	Sunroom
Flooring	Carpet
Interior Walls	Wallboard/Drywall

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	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	20487 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 2 201108230051321
Legal Subdivision	POTOMAC LAKE
Legal Block	2
Legal Lot Number	2
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	2
Census Block	2001
Census Tract	611202

Owner

Source: Loudoun County records, as of September 21, 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 Individual Names on File
Mailing Address	20487 MORNINGSIDE TER, STERLING, VA 20165-3556
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2021 · Amount on File
Deed Sale	May 17, 2021 · Amount on File
Prior Sale	Oct 18, 2012 · Amount on File
Deed Document Number	202156480
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	May 17, 2021
Property Address	20487 MORNINGSIDE TER, STERLING, VA 20165-3556
Document Number	202105170056480
Instrument Date	May 14, 2021
Instrument	202105170056480
Transaction Type	Transfer
Record Updated	Jun 2, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

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	20487 MORNINGSIDE TER, STERLING, VA 20165-3556

Mortgage

Document Number	202105170056481
Date	May 17, 2021
Instrument	202105170056481

Lender

Name	MCLEAN MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed 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	$4,334.00 (+4.91%)	$538,410 (+14.03%) Land $225,000 Building $313,410	$538,410 (+14.03%) Land $225,000 Building $313,410
2023	$4,131.00	$472,170 Land $175,000 Building $297,170	$472,170 Land $175,000 Building $297,170

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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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