Loudoun County property record for 45535 Clear Spring Ter, Sterling, VA 20165
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 3 ba · 1,718 sqft · built 1999 |
| Lot Size | 0.04 acres (1,742 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,162 (2026) |
| Deeds & Mortgages | Nov 2020 Mortgage Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 028-36-3712-000 |
| Primary APN | 028-36-3712-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 3 Stories |
| Building Area | 1,718 sqft Living Area |
| 1st Floor Area | 640 sqft |
| Basement Area | 341 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Townhouse |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 1,742 sqft (0.04 acres) |
| Garage Type | Basement |
| Garage Area | 260 sqft |
| Porch | Covered Stoop |
|---|---|
| Porch Area | 15 sqft |
| Deck Area | Deck Area |
| Patio Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 45535 CLEAR SPRING TER |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20165-6542 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R8 |
| Legal Description | JEFFERSON VILLAGE TH SEC.1 LOT 6 1740--2465 |
| Legal Subdivision | JEFFERSON VILLAGE |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | ALGONKIAN |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 611101 |
45535 Clear Spring Ter, a townhouse, is owned and occupied by two individuals.
Source: Loudoun County records, as of September 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45535 CLEAR SPRING TER, STERLING, VA 20165-6542 |
| 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.
| Date | Document |
|---|---|
| Nov 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Oct 20, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CAPITAL ONE NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 45535 CLEAR SPRING TER, STERLING, VA 20165-6542 |
| Document Number | 20201214122559 |
| Instrument Date | Nov 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 45535 CLEAR SPRING TER STERLING VA 201656542, STERLING, VA 20165-6542 |
| Document Number | 20201214122559 |
|---|---|
| Date | Dec 14, 2020 |
| Instrument | 122559 |
| Name | NEWREZ LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Dec 13, 2030 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 45535 CLEAR SPRING TER, STERLING, VA 20165-6542 |
| Document Number | 20171026067128 |
| Instrument Date | Oct 20, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2017 |
| Name | Verified Name |
|---|
| Document Number | 20171026067128 |
|---|---|
| Date | Oct 26, 2017 |
| Instrument | 67128 |
| Name | CAPITAL ONE NA |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 25, 2032 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
The 2026 property tax bill for 45535 Clear Spring Ter was $4,162.
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 | $4,162.00 | $517,110 Land $175,000 Building $342,110 | $517,110 Land $175,000 Building $342,110 |
| 2023 | $4,111.00 | $469,940 Land $175,000 Building $294,940 | $469,940 Land $175,000 Building $294,940 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45535 Clear Spring Ter in Zone X, an area of minimal flood risk, though there have been 46 flood claims nearby since 1984.
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 |
| Flood Insurance Cost | Premium on File median of 25 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 25 in force |
| Nearby Flood Claims | 46 (1984–2018) |
| Claims Outside the SFHA | 8 of 46 |
| Most Recent Claim | Dec 2018 · rainfall accumulation |
| Claims by Event |
|
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 risk around 45535 Clear Spring Ter is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 304 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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