20977 Flatboat Ct, Sterling, VA 20165 Property Records

Loudoun County property record for 20977 Flatboat Ct, Sterling, VA 20165

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,284 sqft · built 1991
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Company Names on File
Last Sale	$605,000 (Jun 2003)
Tax Bill	$8,529 (2026)
Deeds & Mortgages	Mar 2026 Second Mortgage Apr 2024 Transfer
Flood Zone	Zone X (minimal risk)
APN	`007-38-9724-000`

Property Details

APN / Parcel Number

Primary APN	`007-38-9724-000`
Alternative APN	`82 E 7 38`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	4,284 sqft Living Area
1st Floor Area	1,404 sqft
Basement Area	1,053 sqft
Finished Basement	1,053 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	460 sqft
Porch	Open Porch
Porch Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	20977 FLATBOAT CT
City	STERLING
State	VA
Zip	20165-7443
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDH4
Legal Description	CASCADES SEC.2B LOT 38-A 201112270081065
Legal Subdivision	CASCADES
Legal Block	1
Legal Lot Number	38-A
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	1
Census Block	1010
Census Tract	611209

Owner

20977 Flatboat Ct is owned by a company that acquired it in April 2024.

Source: Loudoun County records, as of September 21, 2026

Owner of Record	2 Company Names on File
Mailing Address	20977 FLATBOAT CT, STERLING, VA 20165-7443
Owner Type	Company
Vesting	Life Tenant

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST TECHNOLOGY FEDERAL CU
Apr 19, 2024	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2003 · Amount on File
Deed Sale	Jun 30, 2003 · Amount on File
Deed Document Number	200381876
Last Transfer Date	Apr 4, 2024
Transfer Doc	0000015427
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	20977 FLATBOAT CT, STERLING, VA 20165-7443
Transaction Type	Mortgage
Record Updated	Mar 25, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010365
Date	Mar 3, 2026
Instrument	20260303-0010365

Lender

Name	FIRST TECHNOLOGY FEDERAL CU
Type	Credit Union
Address	SAN JOSE, CA 95134

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	61 Months
Due	Apr 1, 2031

Interest

Rate Type	Adjustable Rate
Rate	4.62%

April 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LOUDOUN VA
Recording Date	Apr 19, 2024
Property Address	20977 FLATBOAT CT, STERLING, VA 20165-7443
Document Number	0000015427
Instrument Date	Apr 4, 2024
Instrument	202404190015427
Transaction Type	Transfer
Record Updated	May 8, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20977 FLATBOAT CT, STERLING, VA 20165-7443

Tax Assessment & Valuation

The 2026 property tax bill for 20977 Flatboat Ct was $8,529, up 6.7% from the year before.

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	$8,529.00 (+6.73%)	$1,059,580 (+6.73%) Land $279,900 Building $779,680	$1,059,580 (+6.73%) Land $279,900 Building $779,680
2025	$7,991.00	$992,780 Land $254,900 Building $737,880	$992,780 Land $254,900 Building $737,880
2023	$7,021.00	$802,460 Land $244,900 Building $557,560	$802,460 Land $244,900 Building $557,560

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

Flood

FEMA maps place 20977 Flatboat Ct in Zone X, an area of minimal flood risk, though there have been 4 flood claims 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	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

Wildfire risk around 20977 Flatboat Ct 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	Direct burnable vegetation

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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