Loudoun County property record for 45545 Clear Spring Ter, Sterling, VA 20165
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 3 ba · 2,038 sqft · built 1999 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $407,000 (Dec 2019) |
| Tax Bill | $4,448 (2026) |
| Deeds & Mortgages | Jun 2020 Mortgage Dec 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 028-36-4814-000 |
| Primary APN | 028-36-4814-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 3 Stories |
| Building Area | 2,038 sqft Living Area |
| 1st Floor Area | 640 sqft |
| Basement Area | 341 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Townhouse |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 2,178 sqft (0.05 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 | 45545 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 1 200909220064820 |
| Legal Subdivision | JEFFERSON VILLAGE |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | ALGONKIAN |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 611101 |
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 45545 CLEAR SPRING TER, STERLING, VA 20165-6542 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TOPONE MTG |
| Dec 23, 2019 | Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FIN'L SVCS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 23, 2019 · Amount on Record |
| Deed Sale | Dec 23, 2019 · Amount on Record |
| Prior Sale | Sep 22, 2009 · Amount on Record |
| Deed Document Number | 201979910 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 45545 CLEAR SPRING TER, STERLING, VA 20165-6542 |
| Document Number | 20200615044994 |
| Instrument Date | Jun 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 45545 CLEAR SPRING TER STERLING VA 201656542, STERLING, VA 20165-6542 |
| Document Number | 20200615044994 |
|---|---|
| Date | Jun 15, 2020 |
| Instrument | 44994 |
| Name | TOPONE MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 14, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Dec 23, 2019 |
| Property Address | 45545 CLEAR SPRING TER, STERLING, VA 20165-6542 |
| Document Number | 20191223079910 |
| Instrument Date | Dec 20, 2019 |
| Instrument | 79910 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $407.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45545 CLEAR SPRING TER STERLING VA 201656542, STERLING, VA 20165-6542 |
| Document Number | 20191223079911 |
|---|---|
| Date | Dec 23, 2019 |
| Instrument | 79911 |
| Name | HOMEBRIDGE FIN'L SVCS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 22, 2049 |
| Rate Type | Fixed Rate |
|---|
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 | $4,448.00 (+1.78%) | $552,610 (+10.63%) Land $178,500 Building $374,110 | $552,610 (+10.63%) Land $178,500 Building $374,110 |
| 2023 | $4,370.00 | $499,530 Land $178,500 Building $321,030 | $499,530 Land $178,500 Building $321,030 |
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 |
| Flood Insurance Cost | Premium on Record 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.
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 | Indirect 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 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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