45785 Smoketree Ter, Sterling, VA 20166 Property Records

Loudoun County property record for 45785 Smoketree Ter, Sterling, VA 20166

Property Summary

Property Type	Townhouse
Details	4 bd · 3.5 ba · 2,905 sqft · built 2001
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on Record
Last Sale	$565,000 (Mar 2021)
Tax Bill	$5,668 (2026)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`031-38-7818-000`

Property Details

APN / Parcel Number

Primary APN	`031-38-7818-000`
Alternative APN	`81 27 142`

Interior

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

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	650 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	45785 SMOKETREE TER
City	STERLING
State	VA
Zip	20166-7205
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R16
Legal Description	TALL OAKS SEC 3 LOT 142 200409100097522
Legal Subdivision	TALL OAKS SEC 3
Legal Block	1
Legal Lot Number	142
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	45785 SMOKETREE TER, STERLING, VA 20166-7205
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2021 · Amount on Record
Deed Sale	Mar 29, 2021 · Amount on Record
Prior Sale	Dec 1, 2015 · Amount on Record
Deed Document Number	202136722
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Mar 29, 2021
Property Address	45785 SMOKETREE TER, STERLING, VA 20166-7205
Document Number	202103290036722
Instrument Date	Mar 25, 2021
Instrument	202103290036722
Transaction Type	Transfer
Record Updated	Sep 13, 2021
Title Company	EZ TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45785 SMOKETREE TER, STERLING, VA 20166-7205

Mortgage

Document Number	202103290036723
Date	Mar 29, 2021
Instrument	202103290036723

Lender

Name	TOWNEBANK MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$5,668.00 (-0.28%)	$704,160 (+8.39%) Land $193,500 Building $510,660	$704,160 (+8.39%) Land $193,500 Building $510,660
2023	$5,684.00	$649,640 Land $193,500 Building $456,140	$649,640 Land $193,500 Building $456,140

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	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.

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