Loudoun County property record for 46142 Cecil Ter, Sterling, VA 20165
| Property Type | Townhouse |
|---|---|
| Details | 4 bd · 3.5 ba · 2,406 sqft · built 1999 |
| Lot Size | 0.04 acres (1,742 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $699,000 (Jan 2025) |
| Tax Bill | $5,417 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage Jan 2024 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 019-46-4521-000 |
| Primary APN | 019-46-4521-000 |
|---|---|
| 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 | 2,406 sqft Living Area |
| 1st Floor Area | 948 sqft |
| Basement Area | 614 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2000 |
| 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 | 492 sqft |
| Porch | Covered Porch |
| Porch Area | 30 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 46142 CECIL TER |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20165-8724 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PDH4 |
| Legal Description | POTOMAC LAKES (WESTLAKES) SEC 19E BLK 1 LOT 168 200808200050473 |
| Legal Subdivision | POTOMAC LAKE |
| Legal Block | 1 |
| Legal Lot Number | 168 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | ALGONKIAN |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 611207 |
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 | 46142 CECIL TER, STERLING, VA 20165-8724 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 1, 2026 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CTR |
| Jan 4, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance TRUSTWORTHY MORTGAGE CORPORATION |
| Apr 20, 2022 | Warranty Deed, Transfer · Conventional Mortgage TRUSTWORTHY MORTGAGE CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 23, 2025 · Amount on Record |
| Deed Sale | Jan 23, 2025 · Amount on Record |
| Prior Sale | Apr 20, 2022 · Amount on Record |
| Deed Document Number | 20253154 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Apr 1, 2026 |
| Property Address | 46142 CECIL TER, STERLING, VA 20165-8724 |
| Document Number | 0000016026 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 202616026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 46142 CECIL TER, STERLING, VA 20165-8724 |
| Document Number | 0000016026, |
|---|---|
| Date | Apr 1, 2026 |
| Instrument | 202616026 |
| Name | MORTGAGE RESEARCH CTR |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 5.25% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 46142 CECIL TER, STERLING, VA 20165-8724 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000000484 |
|---|---|
| Date | Jan 4, 2024 |
| Instrument | 202401040000484 |
| Name | TRUSTWORTHY MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 340 Months |
| Due | May 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Recording Date | Apr 20, 2022 |
| Property Address | 46142 CECIL TER, STERLING, VA 20165-8724 |
| Document Number | 0000023724 |
| Instrument Date | Apr 19, 2022 |
| Instrument | 202204200023724 |
| Transaction Type | Transfer |
| Record Updated | May 9, 2022 |
| Title Company | STRATEGIC NATIONAL TITLE GROUP, STRATEGIC NATIONAL TITLE GRP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 46142 CECIL TER, STERLING, VA 20165-8724 |
| Document Number | 0000023725 |
|---|---|
| Date | Apr 20, 2022 |
| Instrument | 202204200023725 |
| Name | TRUSTWORTHY MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| 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 | $5,417.00 (+1.69%) | $672,950 (+1.68%) Land $225,000 Building $447,950 | $672,950 (+1.68%) Land $225,000 Building $447,950 |
| 2025 | $5,327.00 (+2.94%) | $661,840 (+11.9%) Land $225,000 Building $436,840 | $661,840 (+11.9%) Land $225,000 Building $436,840 |
| 2023 | $5,175.00 | $591,440 Land $225,000 Building $366,440 | $591,440 Land $225,000 Building $366,440 |
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 | 2 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 95% of the US · lower than 97.5% 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 499 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 | 1,200 / 35 |
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