20931 Lock Ct, Sterling, VA 20165 Property Records

Loudoun County property record for 20931 Lock Ct, Sterling, VA 20165

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 5,147 sqft · built 1992
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$950,000 (Nov 2025)
Tax Bill	$8,668 (2026)
Deeds & Mortgages	Sep 2024 Mortgage Nov 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`007-38-9770-000`

Property Details

APN / Parcel Number

Primary APN	`007-38-9770-000`
Alternative APN	`82 E 7 69`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	19 Plumbing Fixtures
Stories	2 Stories
Building Area	5,147 sqft Living Area
1st Floor Area	1,170 sqft
Basement Area	1,617 sqft
Finished Basement	1,617 sqft
Sunroom	Sunroom
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	462 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	62 sqft
Deck Area	Deck Area
Patio Area	212 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	20931 LOCK CT
City	STERLING
State	VA
Zip	20165-7447
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDH4
Legal Description	CASCADES SEC.2B LOT 69 1165--1961
Legal Subdivision	CASCADES
Legal Block	1
Legal Lot Number	69
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	1
Census Block	1008
Census Tract	611209

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 Record	2 Individual Names on Record
Mailing Address	20931 LOCK CT, STERLING, VA 20165-7447
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2024	Deed of Trust, Mortgage · VA Mortgage MUTUAL OF OMAHA MORTGAGE INC
Nov 21, 2025	Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
May 25, 2017	Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2025 · Amount on Record
Deed Sale	Nov 21, 2025 · Amount on Record
Deed Document Number	202557264
Record Updated	Oct 29, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	20931 LOCK CT, STERLING, VA 20165-7447
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20931 LOCK CT, STERLING, VA 20165-7447
Investor	Possibly a Property Investor

Mortgage

Document Number	0000041858
Date	Sep 30, 2024
Instrument	20240930-0041858

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2054

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	LOUDOUN VA
Recording Date	Nov 21, 2025
Property Address	20931 LOCK CT, STERLING, VA 20165-7447
Document Number	0000057264
Map Reference	MB 1083 PG 18
Instrument Date	Nov 12, 2025
Instrument	20251121-0057264
Transaction Type	Transfer
Record Updated	Dec 9, 2025
Title Company	CARDINAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,017.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20931 LOCK CT, STERLING, VA 20165-7447

Mortgage

Document Number	0000057265
Date	Nov 21, 2025
Instrument	20251121-0057265

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Dec 1, 2065

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	20931 LOCK CT, STERLING, VA 20165-7447
Document Number	20171101068608
Instrument Date	May 25, 2017
Transaction Type	Mortgage
Record Updated	Nov 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	20171101068608
Date	Nov 1, 2017
Instrument	68608

Lender

Name	LOW VA RATES LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.75%

Tax Assessment & Valuation

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	$8,668.00 (+5.88%)	$1,076,820 (+5.88%) Land $279,700 Building $797,120	$1,076,820 (+5.88%) Land $279,700 Building $797,120
2025	$8,187.00 (+8.44%)	$1,017,050 (+17.86%) Land $254,700 Building $762,350	$1,017,050 (+17.86%) Land $254,700 Building $762,350
2023	$7,550.00	$862,900 Land $244,700 Building $618,200	$862,900 Land $244,700 Building $618,200

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 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

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

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 210 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

May also be available: Cox Communications.

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