Loudoun County property record for 23 Oak Ln, Sterling, VA 20165
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,720 sqft · built 1960 |
| Lot Size | 1.08 acres (47,480 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,949 (2026) |
| Deeds & Mortgages | Oct 2020 Mortgage Dec 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 019-40-1569-000 |
| Primary APN | 019-40-1569-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,720 sqft Living Area |
| 1st Floor Area | 1,890 sqft |
| Basement Area | 830 sqft |
| Finished Basement | 830 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 47,480 sqft |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 1,040 sqft |
| Shed | 1 Shed |
| Shed Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 23 OAK LN |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20165-8625 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CR1 |
| Legal Description | ARL KEITH SUBD SEC.2 LOT 7 1089--1068 C 22704PLAT |
| Legal Subdivision | KEITH SUBD |
| Legal Block | 2 |
| Legal Lot Number | 7 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | ALGONKIAN |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 611207 |
23 Oak Ln is owned and occupied by two individuals.
Source: Loudoun County records, as of September 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 23 OAK LN, STERLING, VA 20165-8625 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Right of Survivorship |
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 |
|---|---|
| Oct 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GEORGE MASON MTG |
| Dec 30, 2017 | Deed of Trust, Mortgage · Line of Credit UNITED BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 23 OAK LN, STERLING, VA 20165-8625 |
| Document Number | 20201019098110 |
| Instrument Date | Oct 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 23 OAK LN STERLING VA 201658625, STERLING, VA 20165-8625 |
| Document Number | 20201019098110 |
|---|---|
| Date | Oct 19, 2020 |
| Instrument | 98110 |
| Name | GEORGE MASON MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 18, 2030 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 23 OAK LN, STERLING, VA 20165-8625 |
| Document Number | 20180122003497 |
| Instrument Date | Dec 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Document Number | 20180122003497 |
|---|---|
| Date | Jan 22, 2018 |
| Instrument | 3497 |
| Name | UNITED BK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 21, 2028 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 23 Oak Ln was $6,949.
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 | $6,949.00 | $863,320 Land $454,500 Building $408,820 | $863,320 Land $454,500 Building $408,820 |
| 2023 | $6,147.00 | $702,540 Land $285,900 Building $416,640 | $702,540 Land $285,900 Building $416,640 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 23 Oak Ln in Zone X, an area of minimal flood risk.
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 | 5 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 23 Oak Ln 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 | 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 361 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 |
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