40 Christopher Ln, Sterling, VA 20165 Property Records

Loudoun County property record for 40 Christopher Ln, Sterling, VA 20165

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,540 sqft · built 1985
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$670,000 (Aug 2020)
Tax Bill	$6,189 (2023)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Jan 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`018-46-3578-000`

Property Details

APN / Parcel Number

Primary APN	`018-46-3578-000`
Alternative APN	`64A4/1/85`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,540 sqft Living Area
Gross Area	4,132 sqft
1st Floor Area	840 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Brick/Stone
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	400 sqft

Exterior Amenities

Porch	Porch
Porch Area	344 sqft
Deck Area	160 sqft
Patio Area	352 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	/64A4/1////85/
Street Address	40 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 S.5B L.85 911--2
Legal Subdivision	COUNTRYSIDE
Legal Lot Number	85
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	3
Census Block	3000
Census Tract	611102

Owner

Source: Loudoun County assessment roll, as of January 1, 2023

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

Owner of Record	Individual Name on File
Mailing Address	40 CHRISTOPHER LN, STERLING, VA 20165-6209
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2020	Warranty Deed, Transfer · Conventional with PMI MCLEAN MTG
Jan 29, 2018	Quit Claim Deed, Transfer NOT AVAILABLE
Mar 24, 2017	Grant Deed, Transfer · VA Mortgage ATLANTIC COAST MTG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 20, 2020 · Amount on Record
Deed Sale	Aug 20, 2020 · Amount on Record
Prior Sale	Jan 29, 2018
Deed Document Number	202008200071640
Record Updated	Jun 7, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Aug 20, 2020
Property Address	40 CHRISTOPHER LN, STERLING, VA 20165-6209
Document Number	20200820071640
Instrument Date	Aug 20, 2020
Instrument	71640
Transaction Type	Transfer
Record Updated	Sep 15, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$670.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 CHRISTOPHER LN STERLING VA 201656209, STERLING, VA 20165-6209

Mortgage

Document Number	20200820071641
Date	Aug 20, 2020
Instrument	71641

Lender

Name	MCLEAN MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2050

Interest

Rate Type	Fixed Rate

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOUDOUN VA
Recording Date	Jan 29, 2018
Property Address	40 CHRISTOPHER LN, STERLING, VA 20165-6209
Document Number	20180129005303
Instrument Date	Jan 10, 2018
Instrument	5303
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 CHRISTOPHER LN STERLING VA 201656209, STERLING, VA 20165-6209

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LOUDOUN VA
Recording Date	Mar 24, 2017
Property Address	40 CHRISTOPHER LN, STERLING, VA 20165-6209
Document Number	20170324017652
Instrument Date	Mar 24, 2017
Instrument	17652
Transaction Type	Transfer
Record Updated	Mar 31, 2017
Title Company	COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE INS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$575.00
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	40 CHRISTOPHER LN STERLING VA 201656209, STERLING, VA 20165-6209

Mortgage

Document Number	20170324017653
Date	Mar 24, 2017
Instrument	17653

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 23, 2047

Tax Assessment & Valuation

Source: Loudoun County assessment roll, as of January 1, 2023

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
2023	$6,189.00	$707,320 Land $258,500 Building $448,820	$707,320 Land $258,500 Building $448,820

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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