Loudoun County property record for 20945 Cherokee Ter, Sterling, VA 20165
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 3 ba · 2,508 sqft · built 1998 |
| Lot Size | 0.04 acres (1,742 sqft) |
| Owner | Individual Name on File |
| Last Sale | $450,000 (Dec 2016) |
| Tax Bill | $5,457 (2026) |
| Deeds & Mortgages | Feb 2023 Line of Credit Aug 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 019-35-7346-000 |
| Primary APN | 019-35-7346-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 3 Stories |
| Building Area | 2,508 sqft Living Area |
| 1st Floor Area | 956 sqft |
| Basement Area | 568 sqft |
| Sunroom | Sunroom |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Townhouse |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 1,742 sqft (0.04 acres) |
| Garage Type | Basement |
| Garage Area | 360 sqft |
| Deck Area | Deck Area |
| Patio Area | 266 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 20945 CHEROKEE TER |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20165-5854 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PDH4 |
| Legal Description | POTOMAC LAKES (WESTLAKES) SEC 19C LOT 9 1846--1077 |
| Legal Subdivision | POTOMAC LAKE |
| Legal Block | 1 |
| Legal Lot Number | 9 |
| Legal Unit | 19C |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | ALGONKIAN |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 611207 |
20945 Cherokee Ter, a townhouse, is owned and occupied by an individual who bought it in December 2016.
Source: Loudoun County records, as of September 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20945 CHEROKEE TER, STERLING, VA 20165-5854 |
| 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.
| Date | Document |
|---|---|
| Feb 21, 2023 | Deed of Trust, Mortgage · Line of Credit HANSCOM FEDERAL CREDIT UNION |
| Aug 21, 2018 | Deed of Trust, Mortgage · Line of Credit HANSCOM FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 1, 2016 · Amount on File |
| Deed Sale | Dec 1, 2016 · Amount on File |
| Prior Sale | Dec 1, 2000 · Amount on File |
| Deed Document Number | 201681867 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20945 CHEROKEE TER, STERLING, VA 20165-5854 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000006124 |
|---|---|
| Date | Feb 21, 2023 |
| Instrument | 202302210006124 |
| Name | HANSCOM FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 15, 2053 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 20945 CHEROKEE TER, STERLING, VA 20165-5854 |
| Document Number | 20180830051028 |
| Instrument Date | Aug 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2018 |
| Name | Verified Name |
|---|
| Document Number | 20180830051028 |
|---|---|
| Date | Aug 30, 2018 |
| Instrument | 51028 |
| Name | HANSCOM FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 29, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 20945 Cherokee Ter was $5,457.
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 | $5,457.00 | $677,970 Land $225,000 Building $452,970 | $677,970 Land $225,000 Building $452,970 |
| 2023 | $5,212.00 | $595,710 Land $225,000 Building $370,710 | $595,710 Land $225,000 Building $370,710 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20945 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 20945 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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