20613 Morningside Ter, Sterling, VA 20165 Property Records

Loudoun County property record for 20613 Morningside Ter, Sterling, VA 20165

Property Summary

Property Type	Townhouse
Details	3 bd · 3.5 ba · 2,226 sqft · built 1995
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,614 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`011-37-6641-000`

Property Details

APN / Parcel Number

Primary APN	`011-37-6641-000`
Alternative APN	`81 V 8 8`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	2,226 sqft Living Area
1st Floor Area	680 sqft
Basement Area	550 sqft
Finished Basement	550 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
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	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	20613 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 8 1488--2338
Legal Subdivision	POTOMAC LAKE
Legal Block	2
Legal Lot Number	8
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	2
Census Block	2001
Census Tract	611202

Owner

20613 Morningside Ter, a townhouse, is owned and occupied by two individuals.

Source: Loudoun County records, as of September 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20613 MORNINGSIDE TER, STERLING, VA 20165-3566
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Jun 24, 2022
Property Address	20613 MORNINGSIDE TER, STERLING, VA 20165-3566
Document Number	0000037639
Instrument Date	Jun 24, 2022
Instrument	202206240037639
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	TITLE FORWARD

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	20613 MORNINGSIDE TER, STERLING, VA 20165-3566

Mortgage

Document Number	0000037640
Date	Jun 24, 2022
Instrument	202206240037640

Lender

Name	BAY EQUITY LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 20613 Morningside Ter was $4,614.

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	$4,614.00	$573,180 Land $225,000 Building $348,180	$573,180 Land $225,000 Building $348,180
2023	$4,394.00	$502,190 Land $175,000 Building $327,190	$502,190 Land $175,000 Building $327,190

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

Flood

FEMA maps place 20613 Morningside Ter in Zone X, an area of minimal flood risk.

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

Wildfire risk around 20613 Morningside Ter 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	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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