Loudoun County property record for 20737 Arbor Ct, Sterling, VA 20165
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,652 sqft · built 1993 |
| Lot Size | 0.21 acres (9,147 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $529,000 (May 2008) |
| Tax Bill | $7,032 (2026) |
| Deeds & Mortgages | May 2020 Mortgage Jul 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 018-18-9389-000 |
| Primary APN | 018-18-9389-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,652 sqft Living Area |
| 1st Floor Area | 1,108 sqft |
| Basement Area | 1,126 sqft |
| Finished Basement | 1,126 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Colonial |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,147 sqft (0.21 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 40 sqft |
| Deck Area | Deck Area |
| Patio Area | 460 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 20737 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 7 200805270031850 |
| Legal Subdivision | POTOMAC LAKE |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 20737 ARBOR CT, STERLING, VA 20165-7734 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 28, 2020 | Deed of Trust, Mortgage · VA Mortgage EMBRACE HM LOANS |
| Jul 19, 2017 | Quit Claim Deed, Transfer · VA Mortgage FIRST SVGS MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 27, 2008 · Amount on Record |
| Deed Sale | May 27, 2008 · Amount on Record |
| Prior Sale | Jan 3, 2001 · Amount on Record |
| Deed Document Number | 200831850 |
| Last Transfer Date | Jul 14, 2017 |
| Transfer Doc | 0000044222 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20737 ARBOR CT, STERLING, VA 20165-7734 |
| Document Number | 20200603041333 |
| Instrument Date | May 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 20737 ARBOR CT STERLING VA 201657734, STERLING, VA 20165-7734 |
| Document Number | 20200603041333 |
|---|---|
| Date | Jun 3, 2020 |
| Instrument | 41333 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 2, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Jul 19, 2017 |
| Property Address | 20737 ARBOR CT, STERLING, VA 20165-7734 |
| Document Number | 20170719044222 |
| Instrument Date | Jul 14, 2017 |
| Instrument | 44222 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2021 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20737 ARBOR CT STERLING VA 201657734, STERLING, VA 20165-7734 |
| Document Number | 20170719044223 |
|---|---|
| Date | Jul 19, 2017 |
| Instrument | 44223 |
| Name | FIRST SVGS MTG |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 18, 2047 |
| 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 | $7,032.00 (+5.71%) | $873,580 (+14.91%) Land $279,600 Building $593,980 | $873,580 (+14.91%) Land $279,600 Building $593,980 |
| 2023 | $6,652.00 | $760,240 Land $239,600 Building $520,640 | $760,240 Land $239,600 Building $520,640 |
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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