20658 Emerald Point Ter, Sterling, VA 20165 Property Records

Loudoun County property record for 20658 Emerald Point Ter, Sterling, VA 20165

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 2,038 sqft · built 2001
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on File
Last Sale	$374,000 (Feb 2017)
Tax Bill	$4,491 (2026)
Deeds & Mortgages	Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`028-26-0733-000`

Property Details

APN / Parcel Number

Primary APN	`028-26-0733-000`
Alternative APN	`63 3 86`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	3 Stories
Building Area	2,038 sqft Living Area
1st Floor Area	640 sqft
Basement Area	490 sqft
Sunroom	Sunroom
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2005
Architectural Style	Townhouse
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,178 sqft (0.05 acres)
Garage Type	Basement
Garage Area	260 sqft

Exterior Amenities

Porch	Covered Stoop
Porch Area	15 sqft
Deck Area	Deck Area
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	20658 EMERALD POINT TER
City	STERLING
State	VA
Zip	20165-6529
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R8
Legal Description	JEFFERSON VILLAGE TH SEC.1 LOT 86 201002250010931
Legal Subdivision	JEFFERSON VILLAGE
Legal Block	1
Legal Lot Number	86
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	1
Census Block	1015
Census Tract	611101

Owner

20658 Emerald Point Ter, a townhouse, is owned and occupied by two individuals who bought it in February 2017.

Source: Loudoun County records, as of September 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20658 EMERALD POINT TER, STERLING, VA 20165-6529
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
Last Sale	Feb 21, 2017 · Amount on File
Deed Sale	Feb 21, 2017 · Amount on File
Prior Sale	Feb 25, 2010 · Amount on File
Deed Document Number	201711172
Record Updated	Oct 29, 2026

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LOUDOUN VA
Recording Date	Feb 21, 2017
Property Address	20658 EMERALD POINT TER, STERLING, VA 20165-6529
Document Number	20170221011172
Instrument Date	Feb 16, 2017
Instrument	11172
Transaction Type	Transfer
Record Updated	Mar 6, 2017
Title Company	TITLE RESOURCES GUARANTY COMPANY, TITLE RESOURCES GUARANTY CO.

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$374.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20658 EMERALD POINT TER STERLING VA 201656529, STERLING, VA 20165-6529

Mortgage

Document Number	20170221011173
Date	Feb 21, 2017
Instrument	11173

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 20, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 20658 Emerald Point Ter was $4,491.

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	$4,491.00	$558,010 Land $178,500 Building $379,510	$558,010 Land $178,500 Building $379,510
2023	$4,404.00	$503,340 Land $178,500 Building $324,840	$503,340 Land $178,500 Building $324,840

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

Flood

FEMA maps place 20658 Emerald Point Ter in Zone X, an area of minimal flood risk, though there have been 46 flood claims nearby since 1984.

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
Flood Insurance Cost	Premium on File median of 25 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	25 in force
Nearby Flood Claims	46 (1984–2018)
Claims Outside the SFHA	8 of 46
Most Recent Claim	Dec 2018 · rainfall accumulation
Claims by Event	Severe Winter Storm, Record/near Record Snowfall, Heavy Rain,floodind, And Mudslide, Feb 2003 · 2 claims Flooding, High Winds, And Wind Driven Rain, Jan 1996 · 12 claims

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

Wildfire risk around 20658 Emerald Point 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	Direct burnable vegetation

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 304 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	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20