46618 Oak Ln, Sterling, VA 20165 Property Records

Loudoun County property record for 46618 Oak Ln, Sterling, VA 20165

Property Summary

Property Type	Single Family Home
Details	6 bd · 6 ba · 6,421 sqft · built 2011
Lot Size	1.06 acres (46,609 sqft)
Owner	2 Individual Names on Record
Tax Bill	$10,982 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012-45-1688-000`

Property Details

APN / Parcel Number

Primary APN	`012-45-1688-000`
Alternative APN	`81 C 2 1`

Interior

Bedrooms	6 Beds
Full Baths	6 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	6,421 sqft Living Area
1st Floor Area	1,320 sqft
Basement Area	1,185 sqft
Finished Basement	1,185 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Colonial
Exterior Material	Brick/Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	46,609 sqft
Garage Type	Attached
Garage Area	782 sqft

Exterior Amenities

Pool Area	576 sqft
Shed	1 Shed
Shed Area	200 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	46618 OAK LN
City	STERLING
State	VA
Zip	20165-8608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR1
Legal Description	ARL KEITH SUBD SEC.2 LOT 1 201111220073329 C 22704PLAT
Legal Subdivision	KEITH SUBD
Legal Block	2
Legal Lot Number	1
Jurisdiction	LOUDOUN VA
Township / Civil Division	ALGONKIAN
Census Block Group	2
Census Block	2001
Census Tract	611207

Owner

Source: Loudoun County records, as of September 18, 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	46618 OAK LN, STERLING, VA 20165-8608
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Oct 13, 2018	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	46618 OAK LN, STERLING, VA 20165-8608
Document Number	20200921085301
Instrument Date	Sep 15, 2020
Transaction Type	Mortgage
Record Updated	Oct 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46618 OAK LN STERLING VA 201658608, STERLING, VA 20165-8608

Mortgage

Document Number	20200921085301
Date	Sep 21, 2020
Instrument	85301

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 20, 2050

Interest

Rate Type	Fixed Rate
Rate	2.99%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	46618 OAK LN, STERLING, VA 20165-8608
Document Number	20181119067121
Instrument Date	Oct 13, 2018
Transaction Type	Mortgage
Record Updated	Dec 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20181119067121
Date	Nov 19, 2018
Instrument	67121

Lender

Name	NORTHWEST FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Nov 18, 2025

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	$10,982.00 (-2.74%)	$1,364,310 (+5.72%) Land $453,500 Building $910,810	$1,364,310 (+5.72%) Land $453,500 Building $910,810
2023	$11,291.00	$1,290,450 Land $285,700 Building $1,004,750	$1,290,450 Land $285,700 Building $1,004,750

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	5 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 93% of the US · lower than 95% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 639 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 / 2,000

May also be available: AT&T, T-Mobile.

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