Loudoun County property record for 20934 Cherokee Ter, Sterling, VA 20165
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 3 ba · 2,740 sqft · built 1999 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $740,000 (Apr 2024) |
| Tax Bill | $5,653 (2026) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage Oct 2022 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 019-35-8061-000 |
| Primary APN | 019-35-8061-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 3 Stories |
| Building Area | 2,740 sqft Living Area |
| 1st Floor Area | 1,032 sqft |
| Basement Area | 624 sqft |
| Sunroom | Sunroom |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Townhouse |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 2,178 sqft (0.05 acres) |
| Garage Type | Basement |
| Garage Area | 380 sqft |
| Deck Area | Deck Area |
| Patio Area | 508 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 20934 CHEROKEE TER |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20165-5856 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PDH4 |
| Legal Description | POTOMAC LAKES (WESTLAKES) SEC 19C LOT 21 200503010021846 |
| Legal Subdivision | POTOMAC LAKE |
| Legal Block | 1 |
| Legal Lot Number | 21 |
| Legal Unit | 19C |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | ALGONKIAN |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 611207 |
20934 Cherokee Ter, a townhouse, is owned and occupied by two individuals who bought it in April 2024.
Source: Loudoun County records, as of September 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20934 CHEROKEE TER, STERLING, VA 20165-5856 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 25, 2024 | Warranty Deed, Transfer · Conventional Mortgage LOWER LLC |
| Oct 28, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Mar 10, 2018 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 25, 2024 · Amount on File |
| Deed Sale | Apr 25, 2024 · Amount on File |
| Prior Sale | Mar 1, 2005 · Amount on File |
| Deed Document Number | 202416546 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Apr 25, 2024 |
| Property Address | 20934 CHEROKEE TER, STERLING, VA 20165-5856 |
| Document Number | 0000016546 |
| Instrument Date | Apr 25, 2024 |
| Instrument | 202404250016546 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2024 |
| Title Company | PSH TITLE LLC, PSR TITLE LLC |
| 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 | 20934 CHEROKEE TER, STERLING, VA 20165-5856 |
| Document Number | 0000016547 |
|---|---|
| Date | Apr 25, 2024 |
| Instrument | 202404250016547 |
| Name | LOWER LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20934 CHEROKEE TER, STERLING, VA 20165-5856 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000059574 |
|---|---|
| Date | Oct 28, 2022 |
| Instrument | 202210280059574 |
| Name | DISCOVER BANK |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 28, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20934 CHEROKEE TER, STERLING, VA 20165-5856 |
| Document Number | 20180313013809 |
| Instrument Date | Mar 10, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Document Number | 20180313013809 |
|---|---|
| Date | Mar 13, 2018 |
| Instrument | 13809 |
| Name | NATIONSTAR MTG |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 12, 2048 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 20934 Cherokee Ter was $5,653, up 1.7% from the year before.
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 | $5,653.00 (+1.75%) | $702,350 (+1.75%) Land $225,000 Building $477,350 | $702,350 (+1.75%) Land $225,000 Building $477,350 |
| 2025 | $5,556.00 | $690,270 Land $225,000 Building $465,270 | $690,270 Land $225,000 Building $465,270 |
| 2023 | $5,365.00 | $613,240 Land $225,000 Building $388,240 | $613,240 Land $225,000 Building $388,240 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20934 Cherokee Ter in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 2 in force |
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 20934 Cherokee Ter 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 99.1% of the US · lower than 99.6% of Virginia |
|---|---|
| Wildfire Likelihood | Under 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 499 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 |
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