20978 Flatboat Ct, Sterling, VA 20165 Property Records

Loudoun County property record for 20978 Flatboat Ct, Sterling, VA 20165

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,525 sqft · built 1994
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$588,000 (Mar 2012)
Tax Bill	$7,181 (2026)
Deeds & Mortgages	Aug 2022 Transfer Mar 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`007-39-1324-000`

Property Details

APN / Parcel Number

Primary APN	`007-39-1324-000`
Alternative APN	`82 E 7 45`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	3,525 sqft Living Area
1st Floor Area	1,188 sqft
Basement Area	891 sqft
Finished Basement	891 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	20978 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 45 1418--56
Legal Subdivision	CASCADES
Legal Block	1
Legal Lot Number	45
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	1
Census Block	1010
Census Tract	611209

Owner

20978 Flatboat Ct is owned and occupied by an individual who acquired it in August 2022.

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

Owner of Record	Individual Name on File
Mailing Address	20978 FLATBOAT CT, STERLING, VA 20165-7443
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2022	Intrafamily Transfer, Transfer
Mar 15, 2022	Intrafamily Transfer, Transfer · Stand-Alone Refinance LOANDEPOT.COM LLC
Apr 21, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2012 · Amount on File
Deed Sale	Mar 26, 2012 · Amount on File
Prior Sale	Mar 4, 1996 · Amount on File
Deed Document Number	201222115
Last Transfer Date	Aug 11, 2022
Transfer Doc	0000046641
Record Updated	Oct 29, 2026

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LOUDOUN VA
Recording Date	Aug 12, 2022
Property Address	20978 FLATBOAT CT, STERLING, VA 20165-7443
Document Number	0000046641
Instrument Date	Aug 11, 2022
Instrument	202208120046641
Transaction Type	Transfer
Record Updated	Aug 31, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20978 FLATBOAT CT, STERLING, VA 20165-7443

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LOUDOUN VA
Recording Date	Mar 15, 2022
Property Address	20978 FLATBOAT CT, STERLING, VA 20165-7443
Document Number	0000015771
Instrument Date	Mar 5, 2022
Instrument	202203150015771
Transaction Type	Transfer
Record Updated	Apr 6, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20978 FLATBOAT CT, STERLING, VA 20165-7443

Mortgage

Document Number	0000015772
Date	Mar 15, 2022
Instrument	202203150015772

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOUDOUN VA
Recording Date	Apr 21, 2017
Property Address	20978 FLATBOAT CT, STERLING, VA 20165-7443
Document Number	20170421023678
Instrument Date	Mar 29, 2017
Instrument	23678
Transaction Type	Transfer
Record Updated	May 3, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20978 FLATBOAT CT STERLING VA 201657443, STERLING, VA 20165-7443

Tax Assessment & Valuation

The 2026 property tax bill for 20978 Flatboat Ct was $7,181, down 1.2% 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	$7,181.00 (-1.22%)	$892,060 (-1.23%) Land $279,500 Building $612,560	$892,060 (-1.23%) Land $279,500 Building $612,560
2025	$7,270.00	$903,200 Land $254,500 Building $648,700	$903,200 Land $254,500 Building $648,700
2023	$6,701.00	$765,910 Land $244,500 Building $521,410	$765,910 Land $244,500 Building $521,410

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

Flood

FEMA maps place 20978 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 20978 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.

Nearby Properties on Flatboat Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures