Loudoun County property record for 45541 Reading Ter, Sterling, VA 20166
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 3 ba · 2,036 sqft · built 1998 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $4,416 (2026) |
| Deeds & Mortgages | Feb 2026 Transfer Mar 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 031-16-3865-000 |
| Primary APN | 031-16-3865-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 3 Stories |
| Building Area | 2,036 sqft Living Area |
| 1st Floor Area | 720 sqft |
| Basement Area | 420 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Townhouse |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 2,178 sqft (0.05 acres) |
| Garage Type | Basement |
| Garage Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 45541 READING TER |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20166-3053 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R16 |
| Legal Description | DOMINION STATION SEC 18 LOT 468 1681--1895 |
| Legal Subdivision | DOMINION STATION |
| Legal Block | 1 |
| Legal Lot Number | 468 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | STERLING |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 611601 |
Source: Loudoun County records, as of September 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 45541 READING TER, STERLING, VA 20166-3053 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Feb 11, 2026 | Intrafamily Transfer, Transfer |
| Mar 23, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 15, 2025 |
| Transfer Doc | 0000006828 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Feb 11, 2026 |
| Property Address | 45541 READING TER, STERLING, VA 20166-3053 |
| Document Number | 0000006828 |
| Map Reference | MB 1530 PG 380 |
| Instrument Date | Dec 15, 2025 |
| Instrument | 20260211-0006828 |
| Transaction Type | Transfer |
| Record Updated | Mar 4, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 45541 READING TER, STERLING, VA 20166-3053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 45541 READING TER, STERLING, VA 20166-3053 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000034449 |
|---|---|
| Date | Mar 23, 2021 |
| Instrument | 202103230034449 |
| Name | QUICKEN LOANS LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.88% |
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 | $4,416.00 (-1.8%) | $548,630 (-1.8%) Land $178,500 Building $370,130 | $548,630 (-1.8%) Land $178,500 Building $370,130 |
| 2025 | $4,497.00 (+6.19%) | $558,690 (+15.42%) Land $178,500 Building $380,190 | $558,690 (+15.42%) Land $178,500 Building $380,190 |
| 2023 | $4,235.00 | $484,050 Land $168,500 Building $315,550 | $484,050 Land $168,500 Building $315,550 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Claims | 1 (2022) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 2022 · other causes |
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.
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 322 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 2,000 |
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