20505 Straham Way, Sterling, VA 20165 Property Records

Loudoun County property record for 20505 Straham Way, Sterling, VA 20165

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,836 sqft · built 1997
Lot Size	0.23 acres (10,018 sqft)
Owner	2 Individual Names on File
Last Sale	$954,900 (Mar 2022)
Tax Bill	$8,269 (2026)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Mar 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`003-45-0215-000`

Property Details

APN / Parcel Number

Primary APN	`003-45-0215-000`
Alternative APN	`82 G 1 153`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	3,836 sqft Living Area
1st Floor Area	1,368 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,018 sqft (0.23 acres)
Garage Type	Attached
Garage Area	400 sqft
Deck Area	Deck Area
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	20505 STRAHAM WAY
City	STERLING
State	VA
Zip	20165-4799
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDH4
Legal Description	CASCADES SEC.16-E LOT 153 200407160073689 1494--1734
Legal Subdivision	CASCADES
Legal Block	1
Legal Lot Number	153
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	1
Census Block	1006
Census Tract	611209

Owner

20505 Straham Way is owned and occupied by two individuals who bought it in March 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	20505 STRAHAM WAY, STERLING, VA 20165-4799
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
Mar 15, 2022	Warranty Deed, Transfer · Conventional Mortgage MCLEAN MORTGAGE CORPORATION
Mar 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance AMERIFIRST FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2022 · Amount on File
Deed Sale	Mar 15, 2022 · Amount on File
Prior Sale	Apr 17, 1997 · Amount on File
Deed Document Number	202215592
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Mar 15, 2022
Property Address	20505 STRAHAM WAY, STERLING, VA 20165-4799
Document Number	0000015592
Instrument Date	Mar 11, 2022
Instrument	202203150015592
Transaction Type	Transfer
Record Updated	Apr 6, 2022

Transaction

Amount	Amount 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	20505 STRAHAM WAY, STERLING, VA 20165-4799

Mortgage

Document Number	0000155593
Date	Mar 15, 2022
Instrument	2022031500155593

Lender

Name	MCLEAN MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	0000015593
Date	Mar 15, 2022
Instrument	202203150015593

Lender

Name	MCLEAN MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	20505 STRAHAM WAY, STERLING, VA 20165-4799
Transaction Type	Mortgage
Record Updated	Apr 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202103290036776
Date	Mar 29, 2021
Instrument	202103290036776

Lender

Name	AMERIFIRST FINANCIAL INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.25%

Tax Assessment & Valuation

The 2026 property tax bill for 20505 Straham Way was $8,269.

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	$8,269.00	$1,027,240 Land $324,800 Building $702,440	$1,027,240 Land $324,800 Building $702,440
2023	$7,228.00	$826,140 Land $269,800 Building $556,340	$826,140 Land $269,800 Building $556,340

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

Flood

FEMA maps place 20505 Straham Way in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2011.

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

Wildfire risk around 20505 Straham Way 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.

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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