45396 Winding Rd, Sterling, VA 20165 Property Records

Loudoun County property record for 45396 Winding Rd, Sterling, VA 20165

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,302 sqft · built 2007
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Company Names on Record
Last Sale	$525,000 (Oct 2011)
Tax Bill	$8,673 (2026)
Deeds & Mortgages	Jun 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`040-30-9033-000`

Property Details

APN / Parcel Number

Primary APN	`040-30-9033-000`
Alternative APN	`63 A 1 52`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Stories	2 Stories
Building Area	4,465 sqft Living Area
1st Floor Area	1,118 sqft
Basement Area	1,163 sqft
Finished Basement	1,163 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Colonial
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,958 sqft (0.55 acres)
Garage Type	Attached
Garage Area	638 sqft

Exterior Amenities

Porch	Porch
Porch Area	54 sqft
Deck Area	Deck Area
Patio Area	734 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	45396 WINDING RD
City	STERLING
State	VA
Zip	20165-2595
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR1
Legal Description	BROAD RUN FARMS SEC.1 LOT 52A 201110030060749 200310290143358P BLA
Legal Subdivision	BROAD RUN FARM
Legal Block	1
Legal Lot Number	52A
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	1
Census Block	1012
Census Tract	611101

Owner

Source: Loudoun County records, as of September 21, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	45396 WINDING RD, STERLING, VA 20165-2595
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2011 · Amount on Record
Deed Sale	Oct 3, 2011 · Amount on Record
Prior Sale	Oct 26, 2007 · Amount on Record
Deed Document Number	201160749
Last Transfer Date	Aug 19, 2024
Transfer Doc	0000036633
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	45396 WINDING RD, STERLING, VA 20165-2595
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000062977
Date	Jun 3, 2021
Instrument	202106030062977

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2031

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	$8,673.00 (+6.68%)	$1,077,410 (+15.96%) Land $367,000 Building $710,410	$1,077,410 (+15.96%) Land $367,000 Building $710,410
2023	$8,130.00	$929,160 Land $280,500 Building $648,660	$929,160 Land $280,500 Building $648,660

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 25 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	25 in force
Nearby Flood Claims	46 (1984–2018)
Claims Outside the SFHA	8 of 46
Most Recent Claim	Dec 2018 · rainfall accumulation
Claims by Event	Severe Winter Storm, Record/near Record Snowfall, Heavy Rain,floodind, And Mudslide, Feb 2003 · 2 claims Flooding, High Winds, And Wind Driven Rain, Jan 1996 · 12 claims

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	Direct burnable vegetation

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 304 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