20496 Straham Way, Sterling, VA 20165 Property Records

Loudoun County property record for 20496 Straham Way, Sterling, VA 20165

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,836 sqft · built 2000
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$800,000 (May 2008)
Tax Bill	$9,295 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`003-45-2027-000`

Property Details

APN / Parcel Number

Primary APN	`003-45-2027-000`
Alternative APN	`82 G 1 98`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Stories	2 Stories
Building Area	4,836 sqft Living Area
1st Floor Area	1,300 sqft
Basement Area	1,050 sqft
Finished Basement	1,050 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	484 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	40 sqft
Deck Area	Deck Area
Patio Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	20496 STRAHAM WAY
City	STERLING
State	VA
Zip	20165-5148
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDH4
Legal Description	CASCADES SEC.16-E LOT 98 200805230031429
Legal Subdivision	CASCADES
Legal Block	1
Legal Lot Number	98
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	1
Census Block	1000
Census Tract	611209

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 Record
Mailing Address	20496 STRAHAM WAY, STERLING, VA 20165-5148
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2023	Deed of Trust, Mortgage · Line of Credit BANK FUND STAFF FEDERAL CREDIT UNION
Apr 30, 2019	Deed of Trust, Mortgage BANK FUND STAFF FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2008 · Amount on Record
Deed Sale	May 23, 2008 · Amount on Record
Prior Sale	Jan 4, 2005 · Amount on Record
Deed Document Number	200831429
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	20496 STRAHAM WAY, STERLING, VA 20165-5148
Transaction Type	Mortgage
Record Updated	Sep 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035405
Date	Sep 1, 2023
Instrument	202309010035405

Lender

Name	BANK FUND STAFF FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 31, 2053

Interest

Rate Type	Adjustable Rate

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	20496 STRAHAM WAY, STERLING, VA 20165-5148
Document Number	20190506022842
Instrument Date	Apr 30, 2019
Transaction Type	Mortgage
Record Updated	May 21, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20496 STRAHAM WAY STERLING VA 201655148, STERLING, VA 20165-5148

Mortgage

Document Number	20190506022842
Date	May 6, 2019
Instrument	22842

Lender

Name	BANK FUND STAFF FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 5, 2049

Interest

Rate Type	Fixed Rate
Rate	3.75%

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	$9,295.00 (+15.74%)	$1,154,700 (+25.79%) Land $324,900 Building $829,800	$1,154,700 (+25.79%) Land $324,900 Building $829,800
2023	$8,031.00	$917,940 Land $269,900 Building $648,040	$917,940 Land $269,900 Building $648,040

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	4 (2011–2019)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Jul 2019 · rainfall accumulation

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

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.

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 419 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

Cell Coverage

5G (outdoors only) and 4G LTE

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