Loudoun County property record for 45546 Reading Ter, Sterling, VA 20166
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 3 ba · 1,969 sqft · built 1999 |
| Lot Size | 0.04 acres (1,742 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $607,500 (Feb 2025) |
| Tax Bill | $4,502 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage Feb 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 031-16-4973-000 |
| Primary APN | 031-16-4973-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 3 Stories |
| Building Area | 1,969 sqft Living Area |
| 1st Floor Area | 720 sqft |
| Basement Area | 480 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 220 sqft |
| Deck Area | Deck Area |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 45546 READING TER |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20166-3052 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R16 |
| Legal Description | DOMINION STATION SEC 18 LOT 472 1693--638 |
| Legal Subdivision | DOMINION STATION |
| Legal Block | 1 |
| Legal Lot Number | 472 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | STERLING |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 611601 |
45546 Reading Ter, a townhouse, is owned and occupied by two individuals who bought it in February 2025.
Source: Loudoun County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45546 READING TER, STERLING, VA 20166-3052 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Mar 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NATIONS DIRECT MORTGAGE LLC |
| Feb 28, 2022 | Intrafamily Transfer, Transfer |
| May 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage INTERCOASTAL MORTGAGE COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 7, 2025 · Amount on File |
| Deed Sale | Feb 7, 2025 · Amount on File |
| Prior Sale | Nov 20, 2015 · Amount on File |
| Deed Document Number | 20255548 |
| Prior Transfer Date | Feb 25, 2022 |
| Prior Transfer Doc | 0000011902 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 45546 READING TER, STERLING, VA 20166-3052 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 45546 READING TER, STERLING, VA 20166-3052 |
| Document Number | 0000014008 |
|---|---|
| Date | Mar 20, 2026 |
| Instrument | 20260320-0014008 |
| Name | NATIONS DIRECT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HENDERSON, NV 89074 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Feb 28, 2022 |
| Property Address | 45546 READING TER, STERLING, VA 20166-3052 |
| Document Number | 0000011902 |
| Instrument Date | Feb 25, 2022 |
| Instrument | 202202280011902 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45546 READING TER, WARD, SC 29166 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 45546 READING TER, STERLING, VA 20166-3052 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202105050052668 |
|---|---|
| Date | May 5, 2021 |
| Instrument | 202105050052668 |
| Name | INTERCOASTAL MORTGAGE COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3% |
The 2026 property tax bill for 45546 Reading Ter was $4,502, up 1.8% from the year before.
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 | $4,502.00 (+1.81%) | $559,260 (+1.8%) Land $175,000 Building $384,260 | $559,260 (+1.8%) Land $175,000 Building $384,260 |
| 2025 | $4,422.00 | $549,350 Land $175,000 Building $374,350 | $549,350 Land $175,000 Building $374,350 |
| 2023 | $4,179.00 | $477,710 Land $165,000 Building $312,710 | $477,710 Land $165,000 Building $312,710 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45546 Reading Ter in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
The area around 45546 Reading Ter has no burnable land within ember reach, so its wildfire risk is not rated.
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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