22973 Whitehall Ter, Sterling, VA 20166 Property Records

Loudoun County property record for 22973 Whitehall Ter, Sterling, VA 20166

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 2,040 sqft · built 2000
Lot Size	0.039 acres (1,742 sqft)
Owner	Individual Name on Record
Last Sale	$570,000 (Nov 2025)
Tax Bill	$4,379 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`024-35-8230-000`

Property Details

APN / Parcel Number

Primary APN	`024-35-8230-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	3 Stories
Building Area	2,040 sqft Living Area
1st Floor Area	680 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
Architectural Style	Townhouse
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,742 sqft (0.039 acres)
Garage Type	Detached
Garage Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	22973 WHITEHALL TER
City	STERLING
State	VA
Zip	20166-4303
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R16
Legal Description	GROVEWOOD PAR B S.2 PH 3 LOT 72 200604110031769
Legal Subdivision	GROVEWOOD
Legal Phase	3
Legal Lot Number	72
Jurisdiction	LOUDOUN VA
Township / Civil Division	BROAD RUN
Census Block Group	2
Census Block	2027
Census Tract	611702

Owner

Source: Loudoun County records, as of January 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	22973 WHITEHALL TER, STERLING, VA 20166-4303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2025	Deed, Transfer · Conventional Mortgage M & T BANK
Dec 11, 2020	Warranty Deed, Transfer BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2025 · Amount on Record
Deed Sale	Nov 19, 2025 · Amount on Record
Prior Sale	Dec 11, 2020 · Amount on Record
Deed Document Number	20251119-0056548
Record Updated	Jun 8, 2026

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	LOUDOUN VA
Recording Date	Nov 19, 2025
Property Address	22973 WHITEHALL TER, STERLING, VA 20166-4303
Document Number	0000056548
Map Reference	MB 1625 PG 1636
Instrument Date	Nov 18, 2025
Instrument	20251119-0056548
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	MODERN TITLE LLC, MODE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$570.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	22973 WHITEHALL TER, STERLING, VA 20166-4303

Mortgage

Document Number	0000056549
Date	Nov 19, 2025
Instrument	20251119-0056549

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Dec 1, 2030
Change Frequency	6 Months
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.2%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Dec 11, 2020
Property Address	22973 WHITEHALL TER, STERLING, VA 20166-4303
Document Number	20201211122066
Instrument Date	Dec 10, 2020
Instrument	122066
Transaction Type	Transfer
Record Updated	Jan 12, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22973 WHITEHALL TER STERLING VA 201664303, STERLING, VA 20166-4303

Mortgage

Document Number	20201211122067
Date	Dec 11, 2020
Instrument	122067

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Loudoun County assessment roll, as of January 1, 2025

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
2025	$4,379.00 (+0.74%)	$544,070 (+9.5%) Land $175,000 Building $369,070	$544,070 (+9.5%) Land $175,000 Building $369,070
2023	$4,347.00	$496,890 Land $175,000 Building $321,890	$496,890 Land $175,000 Building $321,890

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 539 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	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Cox Communications.

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