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20902 Gardengate Cir, Ashburn, VA 20147 Property Records

Loudoun County property record for 20902 Gardengate Cir, Ashburn, VA 20147

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 2,588 sqft · built 1998
Lot Size0.16 acres (6,969 sqft)
Owner2 Individual Names on Record
Last Sale$359,000 (Mar 2003)
Tax Bill$6,711 (2026)
Deeds & MortgagesJan 2022 Refinance
Aug 2022 Line of Credit
Flood ZoneZone X (minimal risk)
APN154-39-6470-000

Property Details

APN / Parcel Number

Primary APN154-39-6470-000
Alternative APN
  • 79 H14 19

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures12 Plumbing Fixtures
Stories2 Stories
Building Area2,588 sqft Living Area
1st Floor Area834 sqft
Basement Area468 sqft
Finished Basement468 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 2000
Architectural StyleColonial
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area6,969 sqft (0.16 acres)
Garage TypeBuilt-in
Garage Area370 sqft
Deck AreaDeck Area
Patio Area255 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas

Location & Zoning

Street Address20902 GARDENGATE CIR
CityASHBURN
StateVA
Zip20147-4024
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePDH4
Legal DescriptionASHBURN FARM SEC 7 BK 3 LOT 19 201112290082404 D/C 200303040018961 NEED D/C
Legal SubdivisionASHBURN FARM
Legal Block1
Legal Lot Number19
JurisdictionLOUDOUN VA
Township / Civil DivisionASHBURN
Census Block Group1
Census Block1008
Census Tract611019

Owner

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 Record2 Individual Names on Record
Mailing Address20902 GARDENGATE CIR, ASHBURN, VA 20147-4024
OccupancyOwner Occupied
Owner TypeIndividual
VestingRight of Survivorship

Deeds, Mortgages & Sale History

DateDocument
Jan 5, 2022Deed of Trust, Mortgage · Stand-Alone Refinance
CORNERSTONE FIRST FINANCIAL LLC
Aug 16, 2022Deed of Trust, Mortgage · Line of Credit
TRUIST BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 4, 2003 · Amount on Record
Deed SaleMar 4, 2003 · Amount on Record
Prior SaleApr 30, 2002 · Amount on Record
Deed Book / Page304 / 18961
Record UpdatedOct 29, 2026

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLOUDOUN VA
Property Address20902 GARDENGATE CIR, ASHBURN, VA 20147-4024
Transaction TypeMortgage
Record UpdatedMay 8, 2026
Title CompanyPROPERTY TITLE AND ESCROW LLC, PROPERTY TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000000871
DateJan 5, 2022
Instrument202201050000871
Lender
NameCORNERSTONE FIRST FINANCIAL LLC
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term361 Months
DueFeb 1, 2052
Interest
Rate TypeFixed Rate

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLOUDOUN VA
Property Address20902 GARDENGATE CIR, ASHBURN, VA 20147-4024
Transaction TypeMortgage
Record UpdatedMay 8, 2026
Title CompanyDATAQUICK

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000047211
DateAug 16, 2022
Instrument202208160047211
Lender
NameTRUIST BANK
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Loudoun County assessment roll, as of September 18, 2026

Property Jurisdictions

TypeName
StateVirginia
CountyLoudoun County
Unified School DistrictLoudoun County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$6,711.00 (+2.44%)$833,760 (+11.36%) Land $322,300 Building $511,460$833,760 (+11.36%) Land $322,300 Building $511,460
2023$6,551.00$748,740 Land $299,100 Building $449,640$748,740 Land $299,100 Building $449,640

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies4 in force
Nearby Flood Claims1 (2011)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 2011 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

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 SystemLOUDOUN WATER - CENTRAL SYSTEM
serves 334,808 people · EPA ID VA6107350
Water SourceSurface water
Last State InspectionFeb 2024
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 222 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Verizon
Fiber · Fixed Wireless in parts of the area		2,300 / 2,300
Xfinity
Cable		1,200 / 35
AT&T
Fixed Wireless		100 / 20
T-Mobile
Fixed Wireless		100 / 20

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