Loudoun County property record for 45489 Lost Trail Ter, Sterling, VA 20164
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 2.5 ba · 2,040 sqft · built 1999 |
| Lot Size | 0.04 acres (1,742 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,202 (2026) |
| Deeds & Mortgages | Sep 2021 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 032-25-9342-000 |
| Primary APN | 032-25-9342-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 3 Stories |
| Building Area | 2,040 sqft Living Area |
| 1st Floor Area | 680 sqft |
| Basement Area | 564 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| 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) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 45489 LOST TRAIL TER |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20164-5231 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R8 |
| Legal Description | TRAILSIDE PHASE ONE-A LOT 112 1667--1976 1531--1339, PC D-66504 (SECTION/ PHASE ONE-A) |
| Legal Subdivision | TRAILSIDE PHASE ONE-A |
| Legal Phase | 1 |
| Legal Block | 2 |
| Legal Lot Number | 112 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | STERLING |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 611601 |
45489 Lost Trail Ter, a townhouse, is owned and occupied by an individual.
Source: Loudoun County records, as of September 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45489 LOST TRAIL TER, STERLING, VA 20164-5231 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 45489 LOST TRAIL TER, STERLING, VA 20164-5231 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2021 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 202109170097446 |
|---|---|
| Date | Sep 17, 2021 |
| Instrument | 202109170097446 |
| Name | TRUIST BANK |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 8, 2051 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 45489 Lost Trail Ter was $4,202.
Source: Loudoun County assessment roll, as of September 18, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Loudoun County |
| Unified School District | Loudoun County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,202.00 | $522,080 Land $165,000 Building $357,080 | $522,080 Land $165,000 Building $357,080 |
| 2023 | $4,107.00 | $469,430 Land $160,000 Building $309,430 | $469,430 Land $160,000 Building $309,430 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45489 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 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.
The area around 45489 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 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.
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 |
| 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.
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 |
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