45295 Gable Sq, Sterling, VA 20164 Property Records

Loudoun County property record for 45295 Gable Sq, Sterling, VA 20164

Property Summary

Property Type	Townhouse
Details	3 ba · 1,160 sqft · built 1995
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,486 (2026)
Deeds & Mortgages	Jul 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`032-25-2197-000`

Property Details

APN / Parcel Number

Primary APN	`032-25-2197-000`
Alternative APN	`80 A 5 63`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,160 sqft Living Area
1st Floor Area	560 sqft
Basement Area	560 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2000
Architectural Style	Townhouse
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,742 sqft (0.04 acres)
Deck Area	Deck Area
Patio Area	372 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	45295 GABLE SQ
City	STERLING
State	VA
Zip	20164-5348
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R16
Legal Description	OLD STERLING GABLE SEC.2 LOT 63 1417--461
Legal Subdivision	STERLING
Legal Block	2
Legal Lot Number	63
Jurisdiction	LOUDOUN VA
Township / Civil Division	STERLING
Census Block Group	2
Census Block	2014
Census Tract	611601

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	45295 GABLE SQ, STERLING, VA 20164-5348
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Assessor's Deed Record

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

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	45295 GABLE SQ, STERLING, VA 20164-5348
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202107270080545
Date	Jul 27, 2021
Instrument	202107270080545

Lender

Name	M&T BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

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	$3,486.00 (-3.62%)	$433,130 (+4.77%) Land $165,000 Building $268,130	$433,130 (+4.77%) Land $165,000 Building $268,130
2023	$3,617.00	$413,400 Land $160,000 Building $253,400	$413,400 Land $160,000 Building $253,400

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 235 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