20595 Morningside Ter, Sterling, VA 20165 Property Records

Loudoun County property record for 20595 Morningside Ter, Sterling, VA 20165

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,928 sqft · built 1997
Lot Size	0.04 acres (1,742 sqft)
Owner	Individual Name on Record
Last Sale	$367,000 (Jan 2019)
Tax Bill	$4,458 (2026)
Deeds & Mortgages	Aug 2021 Second Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`011-37-7951-000`

Property Details

APN / Parcel Number

Primary APN	`011-37-7951-000`
Alternative APN	`81 V 8 16`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,928 sqft Living Area
1st Floor Area	624 sqft
Basement Area	544 sqft
Finished Basement	544 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2000
Architectural Style	Townhouse
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,742 sqft (0.04 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	20595 MORNINGSIDE TER
City	STERLING
State	VA
Zip	20165-3566
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PDH4
Legal Description	POTOMAC LAKES SEC.11-B LOT 16 1512--866
Legal Subdivision	POTOMAC LAKE
Legal Block	2
Legal Lot Number	16
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	20595 MORNINGSIDE TER, STERLING, VA 20165-3566
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Jan 8, 2019	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 8, 2019 · Amount on Record
Deed Sale	Jan 8, 2019 · Amount on Record
Prior Sale	Jul 28, 1997 · Amount on Record
Deed Document Number	20191178
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	20595 MORNINGSIDE TER, STERLING, VA 20165-3566
Transaction Type	Mortgage
Record Updated	Sep 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202108200088771
Date	Aug 20, 2021
Instrument	202108200088771

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Jan 8, 2019
Property Address	20595 MORNINGSIDE TER, STERLING, VA 20165-3566
Document Number	20190108001178
Instrument Date	Jan 7, 2019
Instrument	1178
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$367.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20595 MORNINGSIDE TER STERLING VA 201653566, STERLING, VA 20165-3566

Mortgage

Document Number	20190108001179
Date	Jan 8, 2019
Instrument	1179

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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	$4,458.00 (+3.24%)	$553,800 (+3.24%) Land $225,000 Building $328,800	$553,800 (+3.24%) Land $225,000 Building $328,800
2025	$4,318.00 (+1.86%)	$536,410 (+10.7%) Land $190,000 Building $346,410	$536,410 (+10.7%) Land $190,000 Building $346,410
2023	$4,239.00	$484,560 Land $175,000 Building $309,560	$484,560 Land $175,000 Building $309,560

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

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	None beyond 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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