Loudoun County property record for 20643 Cutwater Pl, Sterling, VA 20165
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 4,127 sqft · built 1991 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Last Sale | $617,000 (Dec 2015) |
| Tax Bill | $7,647 (2026) |
| Deeds & Mortgages | Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 018-27-4259-000 |
| Primary APN | 018-27-4259-000 |
|---|---|
| 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 | 4,127 sqft Living Area |
| 1st Floor Area | 1,376 sqft |
| Basement Area | 1,200 sqft |
| Finished Basement | 1,200 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Colonial |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Pool Area | 495 sqft |
|---|---|
| Porch | Screened Porch |
| Porch Area | 144 sqft |
| Deck Area | 260 sqft |
| Patio Area | 684 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 20643 CUTWATER PL |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20165-7341 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDH4 |
| Legal Description | POTOMAC LAKES SEC.2C LOT 83 2243--1816 |
| Legal Subdivision | POTOMAC LAKE |
| Legal Block | 2 |
| Legal Lot Number | 83 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | ALGONKIAN |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 611206 |
20643 Cutwater Pl is owned and occupied by an individual who bought it in December 2015.
Source: Loudoun County records, as of September 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20643 CUTWATER PL, STERLING, VA 20165-7341 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 28, 2015 · Amount on File |
| Deed Sale | Dec 28, 2015 · Amount on File |
| Prior Sale | Aug 21, 2002 · Amount on File |
| Deed Document Number | 201584903 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20643 CUTWATER PL, STERLING, VA 20165-7341 |
| Document Number | 20201124114888 |
| Instrument Date | Nov 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 28, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 20643 CUTWATER PL STERLING VA 201657341, STERLING, VA 20165-7341 |
| Document Number | 20201124114888 |
|---|---|
| Date | Nov 24, 2020 |
| Instrument | 114888 |
| Name | NORTH AMERICAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 23, 2050 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 20643 Cutwater Pl was $7,647.
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 | $7,647.00 | $949,990 Land $280,000 Building $669,990 | $949,990 Land $280,000 Building $669,990 |
| 2023 | $7,284.00 | $832,560 Land $240,000 Building $592,560 | $832,560 Land $240,000 Building $592,560 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20643 Cutwater Pl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2009.
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 |
| Nearby Flood Claims | 1 (2009) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2009 · other causes |
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 20643 Cutwater Pl 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.
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 404 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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