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45486 Lost Trail Ter, Sterling, VA 20164 Property Records

Loudoun County property record for 45486 Lost Trail Ter, Sterling, VA 20164

Property Summary

Property TypeTownhouse
Details3 bd · 2.5 ba · 2,071 sqft · built 1998
Lot Size0.04 acres (1,742 sqft)
Owner2 Individual Names on File
Last Sale$352,500 (Feb 2018)
Tax Bill$4,041 (2026)
Deeds & MortgagesJul 2020 Mortgage
Feb 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN032-25-8754-000

Property Details

APN / Parcel Number

Primary APN032-25-8754-000
Alternative APN
  • 80 A 6 100

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures9 Plumbing Fixtures
Stories3 Stories
Building Area2,071 sqft Living Area
1st Floor Area760 sqft
Basement Area551 sqft

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 2000
Architectural StyleTownhouse
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area1,742 sqft (0.04 acres)
Garage TypeBasement
Garage Area209 sqft
Deck AreaDeck Area
Patio Area216 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas

Location & Zoning

Street Address45486 LOST TRAIL TER
CitySTERLING
StateVA
Zip20164-5230
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodeR8
Legal DescriptionTRAILSIDE PHASE ONE-A LOT 100 1619--36 201803190015056 ADU RELEASE 1531/1351 ADU 1531--1339, PC D-66504 (SECTION/ PHASE ONE-A)
Legal SubdivisionTRAILSIDE PHASE ONE-A
Legal Phase1
Legal Block2
Legal Lot Number100
JurisdictionLOUDOUN VA
Township / Civil DivisionSTERLING
Census Block Group2
Census Block2004
Census Tract611601

Owner

45486 Lost Trail Ter, a townhouse, is owned and occupied by two individuals who bought it in February 2018.

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

Owner of Record2 Individual Names on File
Mailing Address45486 LOST TRAIL TER, STERLING, VA 20164-5230
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Jul 9, 2020Deed of Trust, Mortgage · Conventional Mortgage
FIRST MTG SOLUTIONS
Feb 21, 2018Warranty Deed, Transfer · Conventional Mortgage
WELLS FARGO BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 21, 2018 · Amount on File
Deed SaleFeb 21, 2018 · Amount on File
Deed Document Number20189645
Record UpdatedOct 29, 2026

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLOUDOUN VA
Property Address45486 LOST TRAIL TER, STERLING, VA 20164-5230
Document Number20200715056474
Instrument DateJul 9, 2020
Transaction TypeMortgage
Record UpdatedAug 6, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address45486 LOST TRAIL TER STERLING VA 201645230, STERLING, VA 20164-5230

Mortgage

Document Number20200715056474
DateJul 15, 2020
Instrument56474
Lender
NameFIRST MTG SOLUTIONS
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term120 Months
DueJul 14, 2030
Interest
Rate TypeFixed Rate

February 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLOUDOUN VA
Recording DateFeb 21, 2018
Property Address45486 LOST TRAIL TER, STERLING, VA 20164-5230
Document Number20180221009645
Instrument DateFeb 20, 2018
Instrument9645
Transaction TypeTransfer
Record UpdatedFeb 17, 2021
Title CompanyNOT AVAILABLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$353.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address45486 LOST TRAIL TER STERLING VA 201645230, STERLING, VA 20164-5230

Mortgage

Document Number20180221009646
DateFeb 21, 2018
Instrument9646
Lender
NameWELLS FARGO BK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 45486 Lost Trail Ter was $4,041.

Source: Loudoun County assessment roll, as of September 18, 2026

Property Jurisdictions

TypeName
StateVirginia
CountyLoudoun County
Unified School DistrictLoudoun County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$4,041.00$502,100 Land $165,000 Building $337,100$502,100 Land $165,000 Building $337,100
2023$3,975.00$454,290 Land $160,000 Building $294,290$454,290 Land $160,000 Building $294,290

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 45486 Lost Trail Ter 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies1 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

The area around 45486 Lost Trail Ter has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 SystemLOUDOUN WATER - CENTRAL SYSTEM
serves 334,808 people · EPA ID VA6107350
Water SourceSurface water
Last State InspectionFeb 2024
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

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

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