Loudoun County property record for 20495 Quarterpath Trace Cir, Sterling, VA 20165
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,972 sqft · built 1994 |
| Lot Size | 0.21 acres (9,147 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,100,000 (Apr 2025) |
| Tax Bill | $8,084 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage Aug 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-19-7013-000 |
| Primary APN | 010-19-7013-000 |
|---|---|
| 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 | 3,972 sqft Living Area |
| 1st Floor Area | 1,152 sqft |
| Basement Area | 1,100 sqft |
| Finished Basement | 1,100 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Colonial |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,147 sqft (0.21 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Screened Porch |
|---|---|
| Porch Area | 176 sqft |
| Deck Area | Deck Area |
| Patio Area | 187 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 20495 QUARTERPATH TRACE CIR |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20165-7509 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDH4 |
| Legal Description | POTOMAC LAKES SEC.13-B LOT 216-A 200501240008660 |
| Legal Subdivision | POTOMAC LAKE |
| Legal Block | 1 |
| Legal Lot Number | 216-A |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | ALGONKIAN |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 611202 |
20495 Quarterpath Trace Cir is owned and occupied by two individuals who bought it in April 2025.
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 | 20495 QUARTERPATH TRACE CIR, STERLING, VA 20165-7509 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 6, 2026 | Deed of Trust, Mortgage · Conventional Mortgage INTERCOASTAL MORTGAGE LLC |
| Aug 18, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance DEPARTMENT OF COMMERCE FEDERAL CREDIT UN |
| Jun 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG |
| Sep 10, 2018 | Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 28, 2025 · Amount on File |
| Deed Sale | Apr 28, 2025 · Amount on File |
| Prior Sale | Oct 25, 2016 · Amount on File |
| Deed Document Number | 202518724 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Jul 6, 2026 |
| Property Address | 20495 QUARTERPATH TRACE CIR, STERLING, VA 20165-7509 |
| Document Number | 0000034500 |
| Instrument Date | Jun 16, 2026 |
| Instrument | 202634500 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 20495 QUARTERPATH TRACE CIR, STERLING, VA 20165-7509 |
| Document Number | 0000034500, |
|---|---|
| Date | Jul 6, 2026 |
| Instrument | 202634500 |
| Name | INTERCOASTAL MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.29% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20495 QUARTERPATH TRACE CIR, STERLING, VA 20165-7509 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Title Company | TITLE ONE SETTLEMENT GROUP LLC, TITLE ONE SETTLEMENT GRP LLC |
| Name | Verified Name |
|---|
| Document Number | 0000087903 |
|---|---|
| Date | Aug 18, 2021 |
| Instrument | 202108180087903 |
| Name | DEPARTMENT OF COMMERCE FEDERAL CREDIT UN |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20495 QUARTERPATH TRACE CIR, STERLING, VA 20165-7509 |
| Document Number | 20200615045135 |
| Instrument Date | Jun 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 20495 QUARTERPATH TRACE CIR STERLING VA 201657509, STERLING, VA 20165-7509 |
| Document Number | 20200615045135 |
|---|---|
| Date | Jun 15, 2020 |
| Instrument | 45135 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 14, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20495 QUARTERPATH TRACE CIR, STERLING, VA 20165-7509 |
| Document Number | 20180914054015 |
| Instrument Date | Sep 10, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2018 |
| Name | Verified Name |
|---|
| Document Number | 20180914054015 |
|---|---|
| Date | Sep 14, 2018 |
| Instrument | 54015 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 13, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 20495 Quarterpath Trace Cir was $8,084, up 9.5% from the year before.
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 | $8,084.00 (+9.48%) | $1,004,300 (+9.48%) Land $279,600 Building $724,700 | $1,004,300 (+9.48%) Land $279,600 Building $724,700 |
| 2025 | $7,384.00 | $917,350 Land $254,600 Building $662,750 | $917,350 Land $254,600 Building $662,750 |
| 2023 | $6,981.00 | $797,850 Land $239,600 Building $558,250 | $797,850 Land $239,600 Building $558,250 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20495 Quarterpath Trace Cir 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 20495 Quarterpath Trace Cir 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.
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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