Loudoun County property record for 45489 Pine Trail Ter, Sterling, VA 20164
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 2.5 ba · 2,071 sqft · built 1998 |
| Lot Size | 0.04 acres (1,742 sqft) |
| Owner | Company Name on File |
| Last Sale | $380,000 (May 2018) |
| Tax Bill | $4,247 (2026) |
| Deeds & Mortgages | Jun 2022 Line of Credit Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 032-25-9166-000 |
| Primary APN | 032-25-9166-000 |
|---|---|
| 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 | 2,071 sqft Living Area |
| 1st Floor Area | 760 sqft |
| Basement Area | 551 sqft |
| Year Built | Built 1998 |
|---|---|
| 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) |
| Garage Type | Basement |
| Garage Area | 209 sqft |
| Deck Area | Deck Area |
| Patio Area | 156 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 45489 PINE TRAIL TER |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20164-5229 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R8 |
| Legal Description | TRAILSIDE PHASE ONE-A LOT 93 200605170043798 1531--1339, PC D-66504 (SECTION/ PHASE ONE-A) |
| Legal Subdivision | TRAILSIDE PHASE ONE-A |
| Legal Phase | 1 |
| Legal Block | 2 |
| Legal Lot Number | 93 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | STERLING |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 611601 |
45489 Pine Trail Ter, a townhouse, is owned by a company that bought it in May 2018.
Source: Loudoun County records, as of September 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 45489 PINE TRAIL TER, STERLING, VA 20164-5229 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Jun 22, 2022 | Deed of Trust, Mortgage · Line of Credit NORTHWEST FEDERAL CREDIT UNION |
| Jan 15, 2021 | Deed of Trust, Mortgage · Conventional with PMI NORTHWEST FCU |
| May 4, 2018 | Warranty Deed, Transfer NORTHWEST FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 4, 2018 · Amount on File |
| Deed Sale | May 4, 2018 · Amount on File |
| Prior Sale | May 17, 2006 · Amount on File |
| Deed Document Number | 201824965 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 45489 PINE TRAIL TER, STERLING, VA 20164-5229 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000036858 |
|---|---|
| Date | Jun 22, 2022 |
| Instrument | 202206220036858 |
| Name | NORTHWEST FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jun 14, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 45489 PINE TRAIL TER, STERLING, VA 20164-5229 |
| Document Number | 20210121007943 |
| Instrument Date | Jan 15, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 45489 FINE TRAIL TER STERLING VA 20164, STERLING, VA 20164 |
| Document Number | 20210121007943 |
|---|---|
| Date | Jan 21, 2021 |
| Instrument | 7943 |
| Name | NORTHWEST FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 20, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | May 4, 2018 |
| Property Address | 45489 PINE TRAIL TER, STERLING, VA 20164-5229 |
| Document Number | 20180504024965 |
| Instrument Date | May 3, 2018 |
| Instrument | 24965 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $380.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45489 PINE TRAIL TER STERLING VA 201645229, STERLING, VA 20164-5229 |
| Document Number | 20180504024966 |
|---|---|
| Date | May 4, 2018 |
| Instrument | 24966 |
| Name | NORTHWEST FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount on Record |
|---|
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 45489 Pine Trail Ter was $4,247.
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 | $4,247.00 | $527,580 Land $165,000 Building $362,580 | $527,580 Land $165,000 Building $362,580 |
| 2023 | $4,168.00 | $476,390 Land $160,000 Building $316,390 | $476,390 Land $160,000 Building $316,390 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45489 Pine 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 Pine 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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