Loudoun County property record for 20652 Cutwater Pl, Sterling, VA 20165
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,187 sqft · built 1994 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $7,004 (2026) |
| Deeds & Mortgages | Jul 2022 Line of Credit Mar 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 018-27-6359-000 |
| Primary APN | 018-27-6359-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,187 sqft Living Area |
| 1st Floor Area | 819 sqft |
| Basement Area | 300 sqft |
| Finished Basement | 300 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Colonial |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,840 sqft (0.18 acres) |
| Garage Type | Basement |
| Garage Area | 600 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 355 sqft |
| Deck Area | Deck Area |
| Patio Area | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 20652 CUTWATER PL |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20165-7339 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDH4 |
| Legal Description | POTOMAC LAKES SEC.2C LOT 116 1322-503 |
| Legal Subdivision | POTOMAC LAKE |
| Legal Block | 2 |
| Legal Lot Number | 116 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | ALGONKIAN |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 611206 |
Source: Loudoun County records, as of September 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 20652 CUTWATER PL, STERLING, VA 20165-7339 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 15, 2022 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Mar 16, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance MCLEAN MORTGAGE CORPORATION |
| Mar 22, 2019 | Deed of Trust, Mortgage · Conventional Mortgage PHH MTG SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20652 CUTWATER PL, STERLING, VA 20165-7339 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2022 |
| Title Company | DATA SEARCH INC |
| Name | Verified Name |
|---|
| Document Number | 0000041375 |
|---|---|
| Date | Jul 15, 2022 |
| Instrument | 202207150041375 |
| Name | TRUIST BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20652 CUTWATER PL, STERLING, VA 20165-7339 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Title Company | NEW WORLD TITLE AND ESCROW LLC, NEW WORLD TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0000031210 |
|---|---|
| Date | Mar 16, 2021 |
| Instrument | 202103160031210 |
| Name | MCLEAN MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20652 CUTWATER PL, STERLING, VA 20165-7339 |
| Document Number | 20190325014000 |
| Instrument Date | Mar 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 20652 CUTWATER PL STERLING VA 201657339, STERLING, VA 20165-7339 |
| Document Number | 20190325014000 |
|---|---|
| Date | Mar 25, 2019 |
| Instrument | 14000 |
| Name | PHH MTG SVCS |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 24, 2034 |
| Rate Type | Fixed Rate |
|---|
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 | $7,004.00 (+5.5%) | $870,080 (+14.67%) Land $279,300 Building $590,780 | $870,080 (+14.67%) Land $279,300 Building $590,780 |
| 2023 | $6,639.00 | $758,770 Land $239,300 Building $519,470 | $758,770 Land $239,300 Building $519,470 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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