Loudoun County property record for 20736 Arbor Ct, Sterling, VA 20165
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 4,103 sqft · built 1992 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $615,000 (Jul 2012) |
| Tax Bill | $7,384 (2026) |
| Deeds & Mortgages | Aug 2021 Line of Credit Mar 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 018-19-2249-000 |
| Primary APN | 018-19-2249-000 |
|---|---|
| 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 | 4,103 sqft Living Area |
| 1st Floor Area | 1,275 sqft |
| Basement Area | 952 sqft |
| Finished Basement | 952 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 70 sqft |
| Deck Area | Deck Area |
| Patio Area | 360 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 20736 ARBOR CT |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20165-7734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDH4 |
| Legal Description | POTOMAC LAKES SEC.3 LOT 13 1190--539 |
| Legal Subdivision | POTOMAC LAKE |
| Legal Block | 1 |
| Legal Lot Number | 13 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | ALGONKIAN |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 611207 |
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 | 20736 ARBOR CT, STERLING, VA 20165-7734 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 2, 2021 | Deed of Trust, Mortgage · Line of Credit THIRD FEDERAL SAVINGS & LOAN ASSOCIATION |
| Mar 31, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance PROVIDENT FUNDING ASSOCIATES LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 2, 2012 · Amount on Record |
| Deed Sale | Jul 2, 2012 · Amount on Record |
| Deed Document Number | 201250023 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20736 ARBOR CT, STERLING, VA 20165-7734 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0000082311 |
|---|---|
| Date | Aug 2, 2021 |
| Instrument | 202108020082311 |
| Name | THIRD FEDERAL SAVINGS & LOAN ASSOCIATION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jul 21, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20736 ARBOR CT, STERLING, VA 20165-7734 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000038473 |
|---|---|
| Date | Mar 31, 2021 |
| Instrument | 202103310038473 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2036 |
| 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 | $7,384.00 (+0.54%) | $917,270 (+0.54%) Land $279,500 Building $637,770 | $917,270 (+0.54%) Land $279,500 Building $637,770 |
| 2025 | $7,344.00 (+4.97%) | $912,360 (+14.1%) Land $254,500 Building $657,860 | $912,360 (+14.1%) Land $254,500 Building $657,860 |
| 2023 | $6,996.00 | $799,630 Land $239,500 Building $560,130 | $799,630 Land $239,500 Building $560,130 |
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 |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 2 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.
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.
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 361 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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