38 Christopher Ln, Sterling, VA 20165 Property Records

Loudoun County property record for 38 Christopher Ln, Sterling, VA 20165

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,348 sqft · built 1985
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,076 (2026)
Deeds & Mortgages	Sep 2019 Mortgage Jun 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`018-46-2982-000`

Property Details

APN / Parcel Number

Primary APN	`018-46-2982-000`
Alternative APN	`64A4 1 86`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	4,348 sqft Living Area
1st Floor Area	1,238 sqft
Basement Area	700 sqft
Finished Basement	700 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	528 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	191 sqft
Deck Area	Deck Area
Patio Area	308 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	38 CHRISTOPHER LN
City	STERLING
State	VA
Zip	20165-6209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDH3
Legal Description	COUNTRYSIDE SEC.5B LOT 86 1281--240 1087--775
Legal Subdivision	COUNTRYSIDE
Legal Block	3
Legal Lot Number	86
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	3
Census Block	3000
Census Tract	611102

Owner

Source: Loudoun County records, as of September 18, 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	38 CHRISTOPHER LN, STERLING, VA 20165-6209
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2019	Deed of Trust, Mortgage · Conventional with PMI PNC BK
Jun 30, 2017	Deed of Trust, Mortgage · Line of Credit PNC BK
Apr 12, 2017	Grant Deed, Transfer · Conventional Mortgage ATLANTIC COAST MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	38 CHRISTOPHER LN, STERLING, VA 20165-6209
Document Number	20190925057390
Instrument Date	Sep 18, 2019
Transaction Type	Mortgage
Record Updated	Oct 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 CHRISTOPHER LN STERLING VA 201656209, STERLING, VA 20165-6209

Mortgage

Document Number	20190925057390
Date	Sep 25, 2019
Instrument	57390

Lender

Name	PNC BK
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2049

Interest

Rate Type	Fixed Rate
Rate	3.88%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	38 CHRISTOPHER LN, STERLING, VA 20165-6209
Document Number	20170717043394
Instrument Date	Jun 30, 2017
Transaction Type	Mortgage
Record Updated	Jul 26, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170717043394
Date	Jul 17, 2017
Instrument	43394

Lender

Name	PNC BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jul 16, 2057

Interest

Rate Type	Adjustable Rate

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LOUDOUN VA
Recording Date	Apr 12, 2017
Property Address	38 CHRISTOPHER LN, STERLING, VA 20165-6209
Document Number	20170412021711
Instrument Date	Apr 11, 2017
Instrument	21711
Transaction Type	Transfer
Record Updated	Apr 18, 2017
Title Company	RGS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$653.00
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	38 CHRISTOPHER LN STERLING VA 201656209, STERLING, VA 20165-6209

Mortgage

Document Number	20170412021712
Date	Apr 12, 2017
Instrument	21712

Lender

Name	ATLANTIC COAST MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 11, 2047

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	$7,076.00 (+2.76%)	$879,070 (+11.69%) Land $258,500 Building $620,570	$879,070 (+11.69%) Land $258,500 Building $620,570
2023	$6,886.00	$787,030 Land $258,500 Building $528,530	$787,030 Land $258,500 Building $528,530

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	6 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	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 354 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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