Loudoun County property record for 20778 Fenwick Dr, Ashburn, VA 20147
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,268 sqft · built 1998 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,829 (2026) |
| Deeds & Mortgages | Sep 2026 Line of Credit Nov 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 058-16-6122-000 |
| Primary APN | 058-16-6122-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,268 sqft Living Area |
| 1st Floor Area | 964 sqft |
| Basement Area | 1,054 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Deck Area | Deck Area |
| Patio Area | 268 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 20778 FENWICK DR |
|---|---|
| City | ASHBURN |
| State | VA |
| Zip | 20147-2854 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDH4 |
| Legal Description | ASHBURN VILLAGE S.33B LOT 44A (RESUB) 1588--1773 |
| Legal Subdivision | ASHBURN VILLAGE |
| Legal Block | 1 |
| Legal Lot Number | 44A |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | BROAD RUN |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 611017 |
20778 Fenwick Dr is owned and occupied by two individuals.
Source: Loudoun County records, as of September 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20778 FENWICK DR, ASHBURN, VA 20147-2854 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 21, 2026 | Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION |
| Nov 29, 2022 | Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION |
| Feb 9, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NAVY FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Sep 21, 2026 |
| Property Address | 20778 FENWICK DR, ASHBURN, VA 20147-2854 |
| Document Number | 0000048990 |
| Instrument Date | Aug 15, 2026 |
| Instrument | 202648990 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Address | 20778 FENWICK DR, ASHBURN, VA 20147-2854 |
| Document Number | 0000048990, |
|---|---|
| Date | Sep 21, 2026 |
| Instrument | 202648990 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Sep 1, 2066 |
| Rate | 7% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20778 FENWICK DR, ASHBURN, VA 20147-2854 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000063810 |
|---|---|
| Date | Nov 29, 2022 |
| Instrument | 202211290063810 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 478 Months |
| Due | Sep 1, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20778 FENWICK DR, ASHBURN, VA 20147-2854 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 0000016185 |
|---|---|
| Date | Feb 9, 2021 |
| Instrument | 202102090016185 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 20778 Fenwick Dr was $6,829.
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 | $6,829.00 | $848,400 Land $324,200 Building $524,200 | $848,400 Land $324,200 Building $524,200 |
| 2023 | $6,425.00 | $734,360 Land $294,200 Building $440,160 | $734,360 Land $294,200 Building $440,160 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20778 Fenwick Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2009.
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 |
| Nearby Flood Claims | 1 (2009) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 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.
Wildfire risk around 20778 Fenwick Dr is low, with less than 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 98% of the US · lower than 99% of Virginia |
|---|---|
| Wildfire Likelihood | Under 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 461 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 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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