45786 Shagbark Ter, Sterling, VA 20166 Property Records

Loudoun County property record for 45786 Shagbark Ter, Sterling, VA 20166

Property Summary

Property Type	Townhouse
Details	3 bd · 4 ba · 3,104 sqft · built 2000
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on Record
Last Sale	$475,000 (Sep 2018)
Tax Bill	$5,646 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`031-38-9396-000`

Property Details

APN / Parcel Number

Primary APN	`031-38-9396-000`
Alternative APN	`81 26 2`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	3 Stories
Building Area	3,104 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	344 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
Architectural Style	Townhouse
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,178 sqft (0.05 acres)
Garage Type	Basement
Garage Area	480 sqft
Deck Area	Deck Area
Patio Area	272 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	45786 SHAGBARK TER
City	STERLING
State	VA
Zip	20166-9294
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R16
Legal Description	TALL OAKS SEC 1 LOT 2 200402200015436
Legal Subdivision	TALL OAKS SEC 1
Legal Block	1
Legal Lot Number	2
Jurisdiction	LOUDOUN VA
Township / Civil Division	STERLING
Census Block Group	1
Census Block	1016
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	2 Individual Names on Record
Mailing Address	45786 SHAGBARK TER, STERLING, VA 20166-9294
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Jul 23, 2019	Deed of Trust, Mortgage · VA Mortgage NBKC BK
Sep 4, 2018	Warranty Deed, Transfer · VA Mortgage NBKC BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2018 · Amount on Record
Deed Sale	Sep 4, 2018 · Amount on Record
Prior Sale	Feb 20, 2004 · Amount on Record
Deed Document Number	201851972
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	45786 SHAGBARK TER, STERLING, VA 20166-9294
Document Number	20201007093151
Instrument Date	Sep 22, 2020
Transaction Type	Mortgage
Record Updated	Nov 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45786 SHAGBARK TER STERLING VA 201669294, STERLING, VA 20166-9294

Mortgage

Document Number	20201007093151
Date	Oct 7, 2020
Instrument	93151

Lender

Name	FREEDOM MTG
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 6, 2050

Interest

Rate Type	Fixed Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	45786 SHAGBARK TER, STERLING, VA 20166-9294
Document Number	20190724041445
Instrument Date	Jul 23, 2019
Transaction Type	Mortgage
Record Updated	Aug 6, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45786 SHAGBARK TER STERLING VA 201669294, STERLING, VA 20166-9294

Mortgage

Document Number	20190724041445
Date	Jul 24, 2019
Instrument	41445

Lender

Name	NBKC BK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2049

Interest

Rate Type	Fixed Rate

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Sep 4, 2018
Property Address	45786 SHAGBARK TER, STERLING, VA 20166-9294
Document Number	20180904051972
Instrument Date	Aug 31, 2018
Instrument	51972
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$475.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45786 SHAGBARK TER STERLING VA 201669294, STERLING, VA 20166-9294

Mortgage

Document Number	20180904051975
Date	Sep 4, 2018
Instrument	51975

Lender

Name	NBKC BK

Agreement

Type	VA 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	$5,646.00 (+2.9%)	$701,430 (+11.85%) Land $190,000 Building $511,430	$701,430 (+11.85%) Land $190,000 Building $511,430
2023	$5,487.00	$627,120 Land $190,000 Building $437,120	$627,120 Land $190,000 Building $437,120

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 95 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 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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