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45498 Lost Trail Ter, Sterling, VA 20164 Property Records

Loudoun County property record for 45498 Lost Trail Ter, Sterling, VA 20164

Property Summary

Property TypeTownhouse
Details2 bd · 2.5 ba · 2,071 sqft · built 1998
Lot Size0.06 acres (2,613 sqft)
Owner2 Individual Names on Record
Last Sale$223,000 (Aug 2001)
Tax Bill$4,339 (2026)
Deeds & MortgagesJun 2020 Mortgage
Nov 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN032-25-9958-000

Property Details

APN / Parcel Number

Primary APN032-25-9958-000
Alternative APN
  • 80 A 6 106

Interior

Bedrooms2 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 Area2,613 sqft (0.06 acres)
Garage TypeBasement
Garage Area209 sqft
Deck AreaDeck Area
Patio Area192 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas

Location & Zoning

Street Address45498 LOST TRAIL TER
CitySTERLING
StateVA
Zip20164-5230
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodeR8
Legal DescriptionTRAILSIDE PHASE ONE-A LOT 106 200403290028038 1531--1339, PC D-66504 (SECTION/ PHASE ONE-A)
Legal SubdivisionTRAILSIDE PHASE ONE-A
Legal Phase1
Legal Block2
Legal Lot Number106
JurisdictionLOUDOUN VA
Township / Civil DivisionSTERLING
Census Block Group2
Census Block2004
Census Tract611601

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 Record2 Individual Names on Record
Mailing Address43348 BARNSTEAD DR, ASHBURN, VA 20148-7198
Owner TypeIndividual
VestingRight of Survivorship

Deeds, Mortgages & Sale History

DateDocument
Jun 24, 2020Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MTG
Nov 28, 2018Deed of Trust, Mortgage · Conventional Mortgage
CITIZENS NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 6, 2001 · Amount on Record
Deed SaleAug 6, 2001 · Amount on Record
Deed Book / Page1978 / 2109
Record UpdatedOct 29, 2026

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLOUDOUN VA
Property Address45498 LOST TRAIL TER, STERLING, VA 20164-5230
Document Number20200629050030
Instrument DateJun 24, 2020
Transaction TypeMortgage
Record UpdatedJul 14, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address45498 LOST TRAIL TER STERLING VA 201645230, STERLING, VA 20164-5230

Mortgage

Document Number20200629050030
DateJun 29, 2020
Instrument50030
Lender
NameUNITED WHOLESALE MTG
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJun 28, 2035
Interest
Rate TypeFixed Rate

November 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLOUDOUN VA
Property Address45498 LOST TRAIL TER, STERLING, VA 20164-5230
Document Number20181128068481
Instrument DateNov 28, 2018
Transaction TypeMortgage
Record UpdatedDec 18, 2018

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number20181128068481
DateNov 28, 2018
Instrument68481
Lender
NameCITIZENS NA
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueNov 27, 2033
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

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$4,339.00 (+2.19%)$539,070 (+11.07%) Land $168,500 Building $370,570$539,070 (+11.07%) Land $168,500 Building $370,570
2023$4,246.00$485,350 Land $163,500 Building $321,850$485,350 Land $163,500 Building $321,850

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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