Loudoun County property record for 20906 Gardengate Cir, Ashburn, VA 20147
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,522 sqft · built 1998 |
| Lot Size | 0.16 acres (6,969 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $880,000 (Jul 2024) |
| Tax Bill | $6,895 (2026) |
| Deeds & Mortgages | Feb 2026 Mortgage Feb 2021 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 154-39-6564-000 |
| Primary APN | 154-39-6564-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,522 sqft Living Area |
| 1st Floor Area | 834 sqft |
| Basement Area | 626 sqft |
| Finished Basement | 626 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 | 6,969 sqft (0.16 acres) |
| Garage Type | Attached |
| Garage Area | 370 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 30 sqft |
| Deck Area | Deck Area |
| Patio Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 20906 GARDENGATE CIR |
|---|---|
| City | ASHBURN |
| State | VA |
| Zip | 20147-4024 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDH4 |
| Legal Description | ASHBURN FARM SEC 7 BK 3 LOT 20 200408030080267 |
| Legal Subdivision | ASHBURN FARM |
| Legal Block | 1 |
| Legal Lot Number | 20 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | ASHBURN |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 611019 |
20906 Gardengate Cir is owned and occupied by two individuals who bought it in July 2024.
Source: Loudoun County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20906 GARDENGATE CIR, ASHBURN, VA 20147-4024 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Feb 10, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Feb 4, 2021 | Warranty Deed, Transfer · VA Mortgage WELLS FARGO BANK NA |
| Sep 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MTG |
| Feb 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Mar 1, 2019 | Deed of Trust, Mortgage · Line of Credit BRANCH BANKING & TR CO |
| Jan 25, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 2024 · Amount on File |
| Deed Sale | Jul 1, 2024 · Amount on File |
| Prior Sale | Feb 4, 2021 · Amount on File |
| Deed Document Number | 202427280 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20906 GARDENGATE CIR, ASHBURN, VA 20147-4024 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2026 |
| Name | Verified Name |
|---|---|
| Address | 20906 GARDENGATE CIR, ASHBURN, VA 20147-4024 |
| Document Number | 0000006462 |
|---|---|
| Date | Feb 10, 2026 |
| Instrument | 20260210-0006462 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 344 Months |
| Due | Oct 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Feb 4, 2021 |
| Property Address | 20906 GARDENGATE CIR, ASHBURN, VA 20147-4024 |
| Document Number | 202102040014119 |
| Instrument Date | Feb 2, 2021 |
| Instrument | 202102040014119 |
| Transaction Type | Transfer |
| Record Updated | Sep 13, 2021 |
| Title Company | UNIVERSAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20906 GARDENGATE CIR, ASHBURN, VA 20147-4024 |
| Document Number | 202102040014120 |
|---|---|
| Date | Feb 4, 2021 |
| Instrument | 202102040014120 |
| Name | WELLS FARGO BANK NA |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20906 GARDENGATE CIR, ASHBURN, VA 20147-4024 |
| Document Number | 20200918084837 |
| Instrument Date | Sep 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 20906 GARDENGATE CIR ASHBURN VA 201474024, ASHBURN, VA 20147-4024 |
| Document Number | 20200918084837 |
|---|---|
| Date | Sep 18, 2020 |
| Instrument | 84837 |
| Name | AMERISAVE MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 17, 2040 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20906 GARDENGATE CIR, ASHBURN, VA 20147-4024 |
| Document Number | 20200218010590 |
| Instrument Date | Feb 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 20906 GARDENGATE CIR ASHBURN VA 201474024, ASHBURN, VA 20147-4024 |
| Document Number | 20200218010590 |
|---|---|
| Date | Feb 18, 2020 |
| Instrument | 10590 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 17, 2040 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20906 GARDENGATE CIR, ASHBURN, VA 20147-4024 |
| Document Number | 20190326014106 |
| Instrument Date | Mar 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 20906 GARDENGATE CIR ASHBURN VA 201474024, ASHBURN, VA 20147-4024 |
| Document Number | 20190326014106 |
|---|---|
| Date | Mar 26, 2019 |
| Instrument | 14106 |
| Name | BRANCH BANKING & TR CO |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20906 GARDENGATE CIR, ASHBURN, VA 20147-4024 |
| Document Number | 20190130004388 |
| Instrument Date | Jan 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2019 |
| Name | Verified Name |
|---|---|
| Address | 20906 GARDENGATE CIR ASHBURN VA 201474024, ASHBURN, VA 20147-4024 |
| Document Number | 20190130004388 |
|---|---|
| Date | Jan 30, 2019 |
| Instrument | 4388 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 29, 2049 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 20906 Gardengate Cir was $6,895.
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 | $6,895.00 | $856,590 Land $322,300 Building $534,290 | $856,590 Land $322,300 Building $534,290 |
| 2023 | $6,462.00 | $738,620 Land $299,100 Building $439,520 | $738,620 Land $299,100 Building $439,520 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20906 Gardengate Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 | 4 in force |
| Nearby Flood Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 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 risk around 20906 Gardengate Cir 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 | None beyond ember reach |
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 222 locations within half a mile, as of December 31, 2025
| Provider | Max 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures