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45488 Pine Trail Ter, Sterling, VA 20164 Property Records

Loudoun County property record for 45488 Pine 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)
OwnerIndividual Name on Record
Last Sale$570,000 (Feb 2026)
Tax Bill$4,485 (2025)
Deeds & MortgagesFeb 2026 Sale & Mortgage
Nov 2021 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN032-25-8678-000

Property Details

APN / Parcel Number

Primary APN032-25-8678-000
Alternative APN
  • 80 A 6 90

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
Fireplaces1 Fireplace
FireplaceFireplace

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

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas

Location & Zoning

Street Address45488 PINE TRAIL TER
CitySTERLING
StateVA
Zip20164-5229
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodeR8
Legal DescriptionTRAILSIDE PHASE ONE-A LOT 90 200311170151768
Legal SubdivisionTRAILSIDE PHASE ONE-A
Legal Phase1
Legal Block2
Legal Lot Number90
JurisdictionLOUDOUN VA
Township / Civil DivisionSTERLING
Census Block Group2
Census Block2004
Census Tract611601

Owner

Source: Loudoun County records, as of April 6, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address45488 PINE TRAIL TER, STERLING, VA 20164-5229
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 5, 2026Deed, Transfer · Conventional Mortgage
FIRST WASHINGTON MORTGAGE
Nov 29, 2021Warranty Deed, Transfer · FHA Mortgage
MISSION MORTGAGE LLC
Apr 22, 2020Warranty Deed, Transfer · Conventional with PMI
BLUELEAF LNDG

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 5, 2026 · Amount on Record
Deed SaleFeb 5, 2026 · Amount on Record
Prior SaleNov 29, 2021 · Amount on Record
Deed Document Number20265697
Record UpdatedJun 8, 2026

February 2026: Deed, Transfer

Document TypeDeed
JurisdictionLOUDOUN VA
Recording DateFeb 5, 2026
Property Address45488 PINE TRAIL TER, STERLING, VA 20164-5229
Document Number0000005697
Map ReferenceMB 1531 PG 1339
Instrument DateFeb 2, 2026
Instrument20260205-0005697
Transaction TypeTransfer
Record UpdatedJul 1, 2026
Title CompanyRATIFIED TITLE GROUP INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$570.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Severalty
Address605 N WAKEFIELD ST, ARLINGTON, VA 22203-2023

Mortgage

Document Number0000005698
DateFeb 5, 2026
Instrument20260205-0005698
Lender
NameFIRST WASHINGTON MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2056

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLOUDOUN VA
Recording DateNov 29, 2021
Property Address45488 PINE TRAIL TER, STERLING, VA 20164-5229
Document Number0000118253
Instrument DateNov 29, 2021
Instrument202111290118253
Transaction TypeTransfer
Record UpdatedDec 15, 2021
Title CompanyCHAMPION TITLE AGENCY, CHAMPION TITLE & STLMNTS INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address45488 PINE TRAIL TER, STERLING, VA 20164-5229

Mortgage

Document Number0000118254
DateNov 29, 2021
Instrument202111290118254
Lender
NameMISSION MORTGAGE LLC
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Interest
Rate TypeFixed Rate

April 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLOUDOUN VA
Recording DateApr 22, 2020
Property Address45488 PINE TRAIL TER, STERLING, VA 20164-5229
Document Number20200422028420
Instrument DateApr 21, 2020
Instrument28420
Transaction TypeTransfer
Record UpdatedMay 12, 2020
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$401.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address45488 PINE TRAIL TER STERLING VA 201645229, STERLING, VA 20164-5229

Mortgage

Document Number20200422028421
DateApr 22, 2020
Instrument28421
Lender
NameBLUELEAF LNDG
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueApr 21, 2050
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

Source: Loudoun County assessment roll, as of August 11, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,485.00 (+5.36%)$557,200 (+14.51%) Land $165,000 Building $392,200$557,200 (+14.51%) Land $165,000 Building $392,200
2023$4,257.00$486,590 Land $160,000 Building $326,590$486,590 Land $160,000 Building $326,590

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 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

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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