45504 Cambers Trail Ter, Sterling, VA 20164 Property Records

Loudoun County property record for 45504 Cambers Trail Ter, Sterling, VA 20164

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,960 sqft · built 1999
Lot Size	0.06 acres (2,613 sqft)
Owner	2 Individual Names on Record
Last Sale	$580,000 (Sep 2026)
Tax Bill	$4,373 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`032-16-0599-000`

Property Details

APN / Parcel Number

Primary APN	`032-16-0599-000`
Alternative APN	`80 A 6 176`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	3 Stories
Building Area	1,960 sqft Living Area
1st Floor Area	800 sqft
Basement Area	360 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2000
Architectural Style	Townhouse
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,613 sqft (0.06 acres)
Garage Type	Basement
Garage Area	440 sqft

Exterior Amenities

Porch	Slab
Porch Area	16 sqft
Deck Area	Deck Area
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	45504 CAMBERS TRAIL TER
City	STERLING
State	VA
Zip	20164-5234
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R8
Legal Description	TRAILSIDE PHASE ONE-A LOT 176 201001270004738 NAME CHNG 200506300070773 1531--1339, PC D-66504 (SECTION/ PHASE ONE-A)
Legal Subdivision	TRAILSIDE PHASE ONE-A
Legal Phase	1
Legal Block	2
Legal Lot Number	176
Jurisdiction	LOUDOUN VA
Township / Civil Division	STERLING
Census Block Group	2
Census Block	2003
Census Tract	611601

Owner

Source: Loudoun County records, as of October 13, 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	2 Individual Names on Record
Mailing Address	45504 CAMBERS TRAIL TER, STERLING, VA 20164-5234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2026 · Amount on Record
Deed Sale	Sep 28, 2026 · Amount on Record
Prior Sale	May 14, 2012 · Amount on Record
Deed Document Number	202650397
Prior Transfer Date	Nov 10, 2014
Prior Transfer Doc	201412100/069771
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LOUDOUN VA
Recording Date	Sep 28, 2026
Property Address	45504 CAMBERS TRAIL TER, STERLING, VA 20164-5234
Document Number	0000050397
Instrument Date	Sep 17, 2026
Instrument	202650397
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$58,580.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000050398,
Date	Sep 28, 2026
Instrument	202650398

Lender

Name	PROVIDENT FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Virginia
County	Loudoun County
Unified School District	Loudoun County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,373.00 (-3.04%)	$543,290 (-3.04%) Land $168,500 Building $374,790	$543,290 (-3.04%) Land $168,500 Building $374,790
2025	$4,510.00 (+6.37%)	$560,330 (+15.62%) Land $168,500 Building $391,830	$560,330 (+15.62%) Land $168,500 Building $391,830
2023	$4,240.00	$484,650 Land $163,500 Building $321,150	$484,650 Land $163,500 Building $321,150

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 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.

Wildfire

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

Wildfire Risk	Low lower than 98% of the US · lower than 99% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 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

Violations Reported to EPA

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.

Internet Providers

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