20876 Waterbeach Pl, Sterling, VA 20165 Property Records

Loudoun County property record for 20876 Waterbeach Pl, Sterling, VA 20165

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 2,910 sqft · built 1997
Lot Size	0.18 acres (7,840 sqft)
Owner	Individual Name on File
Last Sale	$680,000 (Jun 2022)
Tax Bill	$6,188 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`007-40-1560-000`

Property Details

APN / Parcel Number

Primary APN	`007-40-1560-000`
Alternative APN	`82 E 3 117`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,910 sqft Living Area
1st Floor Area	1,643 sqft
Basement Area	1,267 sqft
Finished Basement	1,267 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,840 sqft (0.18 acres)
Garage Type	Attached
Garage Area	132 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	70 sqft
Deck Area	Deck Area
Patio Area	344 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	20876 WATERBEACH PL
City	STERLING
State	VA
Zip	20165-7407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDH4
Legal Description	CASCADES SEC.3B LOT 117 2217--706 SHEPHERD FMLY LIVING TR
Legal Subdivision	CASCADES
Legal Block	1
Legal Lot Number	117
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	1
Census Block	1000
Census Tract	611209

Owner

20876 Waterbeach Pl is owned and occupied by an individual who bought it in June 2022.

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

Owner of Record	Individual Name on File
Mailing Address	20876 WATERBEACH PL, STERLING, VA 20165-7407
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Jun 8, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA
Mar 19, 2020	Warranty Deed, Transfer · VA Mortgage VELLUM MTG LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2022 · Amount on File
Deed Sale	Jun 8, 2022 · Amount on File
Prior Sale	Mar 19, 2020 · Amount on File
Deed Document Number	202234225
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Jun 8, 2022
Property Address	20876 WATERBEACH PL, STERLING, VA 20165-7407
Document Number	0000034225
Instrument Date	May 31, 2022
Instrument	202206080034225
Transaction Type	Transfer
Record Updated	Jul 6, 2022
Title Company	PSH TITLE LLC, PSR TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20876 WATERBEACH PL, STERLING, VA 20165-7407

Mortgage

Document Number	0000034226
Date	Jun 8, 2022
Instrument	202206080034226

Lender

Name	JPMORGAN CHASE BANK NA

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Mar 19, 2020
Property Address	20876 WATERBEACH PL, STERLING, VA 20165-7407
Document Number	20200319019062
Instrument Date	Mar 18, 2020
Instrument	19062
Transaction Type	Transfer
Record Updated	Apr 14, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$607.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20876 WATERBEACH PL STERLING VA 201657407, STERLING, VA 20165-7407

Mortgage

Document Number	20200319019063
Date	Mar 19, 2020
Instrument	19063

Lender

Name	VELLUM MTG LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 18, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 20876 Waterbeach Pl was $6,188.

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	$6,188.00	$768,800 Land $279,300 Building $489,500	$768,800 Land $279,300 Building $489,500
2023	$5,889.00	$673,080 Land $244,300 Building $428,780	$673,080 Land $244,300 Building $428,780

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

Flood

FEMA maps place 20876 Waterbeach Pl in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2011.

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	6 in force
Nearby Flood Claims	4 (2011–2019)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Jul 2019 · rainfall accumulation

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 20876 Waterbeach Pl 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 195 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

May also be available: Cox Communications, T-Mobile.

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