21049 Semblance Dr, Sterling, VA 20164 Property Records

Loudoun County property record for 21049 Semblance Dr, Sterling, VA 20164

Property Summary

Property Type	Townhouse
Details	3 bd · 3.5 ba · 2,344 sqft · built 1988
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on Record
Last Sale	$620,000 (Mar 2026)
Tax Bill	$4,682 (2026)
Deeds & Mortgages	Oct 2023 Line of Credit Mar 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`012-15-6982-000`

Property Details

APN / Parcel Number

Primary APN	`012-15-6982-000`
Alternative APN	`81 J 3 177`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	2,344 sqft Living Area
1st Floor Area	792 sqft
Basement Area	700 sqft
Finished Basement	700 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2000
Architectural Style	Townhouse
Exterior Material	Brick/Stone
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,742 sqft (0.04 acres)
Patio Area	214 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	21049 SEMBLANCE DR
City	STERLING
State	VA
Zip	20164-6313
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PDH6
Legal Description	MIRROR RIDGE SUBD SEC.3 LOT 177 200404200037613 1736--1923
Legal Subdivision	MIRROR RIDGE
Legal Block	1
Legal Lot Number	177
Jurisdiction	LOUDOUN VA
Township / Civil Division	STERLING
Census Block Group	1
Census Block	1000
Census Tract	611205

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	21049 SEMBLANCE DR, STERLING, VA 20164-6313
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NATIONAL ASSOCIATION
Mar 5, 2026	Deed, Transfer · Conventional Mortgage MORTGAGE X HOME LOANS INC
Aug 10, 2023	Warranty Deed, Transfer · ARM NAVY FEDERAL CREDIT UNION
Mar 15, 2017	Warranty Deed, Transfer · Conventional with PMI HOME SVG & TR MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2026 · Amount on Record
Deed Sale	Mar 5, 2026 · Amount on Record
Prior Sale	Aug 10, 2023 · Amount on Record
Deed Document Number	202610842
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	21049 SEMBLANCE DR, STERLING, VA 20164-6313
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041581
Date	Oct 17, 2023
Instrument	202310170041581

Lender

Name	PNC BANK NATIONAL ASSOCIATION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Oct 3, 2063

Interest

Rate Type	Adjustable Rate

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LOUDOUN VA
Recording Date	Mar 5, 2026
Property Address	21049 SEMBLANCE DR, STERLING, VA 20164-6313
Document Number	0000010842
Map Reference	MB 994 PG 202
Instrument Date	Mar 4, 2026
Instrument	20260305-0010842
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	MTA TITLE AND ESCROW LLC, VEMA TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$620.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	21049 SEMBLANCE DR, STERLING, VA 20164-6313

Mortgage

Document Number	0000010843
Date	Mar 5, 2026
Instrument	20260305-0010843

Lender

Name	MORTGAGE X HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Aug 10, 2023
Property Address	21049 SEMBLANCE DR, STERLING, VA 20164-6313
Document Number	0000031744
Instrument Date	Aug 9, 2023
Instrument	202308100031744
Transaction Type	Transfer
Record Updated	Aug 30, 2023
Title Company	HIGHLAND TITLE AND ESCROW LLC, HIGHLAND TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21049 SEMBLANCE DR, STERLING, VA 20164-6313

Mortgage

Document Number	0000031745
Date	Aug 10, 2023
Instrument	202308100031745

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Type Change Date	Sep 1, 2028
Change Frequency	5 Years
Margin	2

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Mar 15, 2017
Property Address	21049 SEMBLANCE DR, STERLING, VA 20164-6313
Document Number	20170315015771
Instrument Date	Mar 13, 2017
Instrument	15771
Transaction Type	Transfer
Record Updated	Mar 23, 2017
Title Company	HIGHLAND TITLE SERVICES, HIGHLAND TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$359.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	21049 SEMBLANCE DR STERLING VA 201646313, STERLING, VA 20164-6313

Mortgage

Document Number	20170315015772
Date	Mar 15, 2017
Instrument	15772

Lender

Name	HOME SVG & TR MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 14, 2047

Interest

Rate	4%

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	$4,682.00 (-2.64%)	$581,620 (-2.64%) Land $180,000 Building $401,620	$581,620 (-2.64%) Land $180,000 Building $401,620
2025	$4,809.00 (+10.76%)	$597,410 (+20.38%) Land $180,000 Building $417,410	$597,410 (+20.38%) Land $180,000 Building $417,410
2023	$4,342.00 (+11.22%)	$496,280 (+13.13%) Land $180,000 Building $316,280	$496,280 (+13.13%) Land $180,000 Building $316,280
2022	$3,904.00	$438,680 Land $130,000 Building $308,680	$438,680 Land $130,000 Building $308,680

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
Nearby Flood Claims	1 (2003)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2003 · Severe Winter Storm, Record/near Record Snowfall, Heavy Rain,floodind, And Mudslide

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 95% of the US · lower than 97.5% of Virginia
Wildfire Likelihood	Under 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 531 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

May also be available: AT&T, T-Mobile.

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