Loudoun County property record for 45766 Smoketree Ter, Sterling, VA 20166
| Property Type | Townhouse |
|---|---|
| Details | 4 bd · 3.5 ba · 2,905 sqft · built 2001 |
| Lot Size | 0.08 acres (3,484 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $459,000 (Jul 2004) |
| Tax Bill | $5,663 (2026) |
| Deeds & Mortgages | Nov 2022 Second Mortgage Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 031-38-6843-000 |
| Primary APN | 031-38-6843-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 3 Stories |
| Building Area | 2,905 sqft Living Area |
| 1st Floor Area | 1,108 sqft |
| Basement Area | 368 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Townhouse |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,484 sqft (0.08 acres) |
| Garage Type | Basement |
| Garage Area | 454 sqft |
| Deck Area | Deck Area |
| Patio Area | 453 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 45766 SMOKETREE TER |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20166-7204 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R16 |
| Legal Description | TALL OAKS SEC 3 LOT 106 200407260076339 |
| Legal Subdivision | TALL OAKS SEC 3 |
| Legal Block | 1 |
| Legal Lot Number | 106 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | STERLING |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 611502 |
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 | 45766 SMOKETREE TER, STERLING, VA 20166-7204 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Right of Survivorship |
| Date | Document |
|---|---|
| Nov 28, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FEDERAL CREDIT UNION |
| Mar 9, 2020 | Deed of Trust, Mortgage · Conventional with PMI MILEND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 26, 2004 · Amount on Record |
| Deed Sale | Jul 26, 2004 · Amount on Record |
| Prior Sale | Nov 16, 2001 · Amount on Record |
| Deed Document Number | 200476339 |
| Last Transfer Date | Oct 15, 2014 |
| Transfer Doc | 201410210/059092 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 45766 SMOKETREE TER, STERLING, VA 20166-7204 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000063564 |
|---|---|
| Date | Nov 28, 2022 |
| Instrument | 202211280063564 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 1, 2042 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 45766 SMOKETREE TER, STERLING, VA 20166-7204 |
| Document Number | 20200316018066 |
| Instrument Date | Mar 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 45766 SMOKETREE TER STERLING VA 201667204, STERLING, VA 20166-7204 |
| Document Number | 20200316018066 |
|---|---|
| Date | Mar 16, 2020 |
| Instrument | 18066 |
| Name | MILEND |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 15, 2050 |
| 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 | $5,663.00 (+5.99%) | $703,500 (+5.98%) Land $193,500 Building $510,000 | $703,500 (+5.98%) Land $193,500 Building $510,000 |
| 2025 | $5,343.00 (-2.09%) | $663,790 (+6.43%) Land $193,500 Building $470,290 | $663,790 (+6.43%) Land $193,500 Building $470,290 |
| 2023 | $5,457.00 | $623,670 Land $193,500 Building $430,170 | $623,670 Land $193,500 Building $430,170 |
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 |
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 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.
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 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 |
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