45735 Smoketree Ter, Sterling, VA 20166 Property Records

Loudoun County property record for 45735 Smoketree Ter, Sterling, VA 20166

Property Summary

Property Type	Townhouse
Details	4 bd · 2.5 ba · 2,905 sqft · built 2001
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on Record
Last Sale	$415,000 (Dec 2011)
Tax Bill	$5,576 (2026)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`031-38-2752-000`

Property Details

APN / Parcel Number

Primary APN	`031-38-2752-000`
Alternative APN	`81 27 119`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	3 Stories
Building Area	2,905 sqft Living Area
1st Floor Area	1,108 sqft
Basement Area	498 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2005
Architectural Style	Townhouse
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,920 sqft (0.09 acres)
Garage Type	Basement
Garage Area	454 sqft
Deck Area	Deck Area
Patio Area	832 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	45735 SMOKETREE TER
City	STERLING
State	VA
Zip	20166-7202
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R16
Legal Description	TALL OAKS SEC 3 LOT 119 201112270081230
Legal Subdivision	TALL OAKS SEC 3
Legal Block	1
Legal Lot Number	119
Jurisdiction	LOUDOUN VA
Township / Civil Division	STERLING
Census Block Group	1
Census Block	1025
Census Tract	611502

Owner

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	Individual Name on Record
Mailing Address	45735 SMOKETREE TER, STERLING, VA 20166-7202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2011 · Amount on Record
Deed Sale	Dec 27, 2011 · Amount on Record
Prior Sale	Mar 29, 2002 · Amount on Record
Deed Document Number	201181230
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	45735 SMOKETREE TER, STERLING, VA 20166-7202
Document Number	20200720058373
Instrument Date	Jul 15, 2020
Transaction Type	Mortgage
Record Updated	Aug 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45735 SMOKETREE TER STERLING VA 201667202, STERLING, VA 20166-7202

Mortgage

Document Number	20200720058373
Date	Jul 20, 2020
Instrument	58373

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2050

Interest

Rate Type	Fixed Rate

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	$5,576.00 (+3.07%)	$692,690 (+12.03%) Land $193,500 Building $499,190	$692,690 (+12.03%) Land $193,500 Building $499,190
2023	$5,410.00	$618,330 Land $193,500 Building $424,830	$618,330 Land $193,500 Building $424,830

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 99.1% of the US · lower than 99.6% 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 410 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