20655 Sound Ter, Sterling, VA 20165 Property Records

Loudoun County property record for 20655 Sound Ter, Sterling, VA 20165

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 2,216 sqft · built 1993
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on Record
Last Sale	$735,000 (Oct 2025)
Tax Bill	$5,644 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`006-29-8838-000`

Property Details

APN / Parcel Number

Primary APN	`006-29-8838-000`
Alternative APN	`82 E 8 342`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	3 Stories
Building Area	2,216 sqft Living Area
1st Floor Area	818 sqft
Basement Area	497 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2007
Architectural Style	Townhouse
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,742 sqft (0.04 acres)
Garage Type	Basement
Garage Area	361 sqft

Exterior Amenities

Porch	Porch
Porch Area	50 sqft
Deck Area	Deck Area
Patio Area	290 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	20655 SOUND TER
City	STERLING
State	VA
Zip	20165-7441
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PDH4
Legal Description	CASCADES SEC.8B LOT 342 2339--2125
Legal Subdivision	CASCADES
Legal Block	3
Legal Lot Number	342
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	3
Census Block	3000
Census Tract	611209

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	2 Individual Names on Record
Mailing Address	20655 SOUND TER, STERLING, VA 20165-7441
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jul 9, 2020	Deed of Trust, Mortgage · Conventional with PMI UNITED WHOLESALE MTG
May 7, 2019	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS
May 4, 2017	Grant Deed, Transfer · Conventional with PMI MCLEAN MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2025 · Amount on Record
Deed Sale	Oct 20, 2025 · Amount on Record
Prior Sale	May 7, 2019 · Amount on Record
Deed Document Number	202550839
Record Updated	Oct 29, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	LOUDOUN VA
Recording Date	Oct 20, 2025
Property Address	20655 SOUND TER, STERLING, VA 20165-7441
Document Number	0000050839
Map Reference	MB 1111 PG 864
Instrument Date	Oct 17, 2025
Instrument	20251020-0050839
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$735.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20655 SOUND TER, STERLING, VA 20165-7441

Mortgage

Document Number	0000050840
Date	Oct 20, 2025
Instrument	20251020-0050840

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	20655 SOUND TER, STERLING, VA 20165-7441
Document Number	20200714056201
Instrument Date	Jul 9, 2020
Transaction Type	Mortgage
Record Updated	Aug 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20655 SOUND TER STERLING VA 201657441, STERLING, VA 20165-7441

Mortgage

Document Number	20200714056201
Date	Jul 14, 2020
Instrument	56201

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 13, 2050

Interest

Rate Type	Fixed Rate

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	May 7, 2019
Property Address	20655 SOUND TER, STERLING, VA 20165-7441
Document Number	20190507023116
Instrument Date	May 6, 2019
Instrument	23116
Transaction Type	Transfer
Record Updated	May 21, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$505.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20655 SOUND TER STERLING VA 201657441, STERLING, VA 20165-7441

Mortgage

Document Number	20190507023117
Date	May 7, 2019
Instrument	23117

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 6, 2049

Interest

Rate Type	Fixed Rate

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LOUDOUN VA
Recording Date	May 4, 2017
Property Address	20655 SOUND TER, STERLING, VA 20165-7441
Document Number	20170504026988
Instrument Date	May 4, 2017
Instrument	26988
Transaction Type	Transfer
Record Updated	Jan 10, 2020
Title Company	CHAMPION TITLE AGENCY, CHAMPION TITLE & SETTLEMENTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$473.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20655 SOUND TER STERLING VA 201657441, STERLING, VA 20165-7441

Mortgage

Document Number	20170504026989
Date	May 4, 2017
Instrument	26989

Lender

Name	MCLEAN MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 3, 2047

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	$5,644.00 (+8.39%)	$701,180 (+8.4%) Land $225,000 Building $476,180	$701,180 (+8.4%) Land $225,000 Building $476,180
2025	$5,207.00 (-1.46%)	$646,860 (+7.11%) Land $220,000 Building $426,860	$646,860 (+7.11%) Land $220,000 Building $426,860
2023	$5,284.00	$603,920 Land $220,000 Building $383,920	$603,920 Land $220,000 Building $383,920

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 · 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	4 in force

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

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

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

Nearby Properties on Sound Ter

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