46650 Oak Ln, Sterling, VA 20165 Property Records

Loudoun County property record for 46650 Oak Ln, Sterling, VA 20165

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 5,559 sqft · built 2011
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Company Names on Record
Last Sale	$678,321 (Jul 2018)
Tax Bill	$10,126 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012-45-4179-000`

Property Details

APN / Parcel Number

Primary APN	`012-45-4179-000`
Alternative APN	`81 C 3 1`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	18 Plumbing Fixtures
Stories	2 Stories
Building Area	5,559 sqft Living Area
1st Floor Area	1,458 sqft
Basement Area	1,710 sqft
Finished Basement	1,710 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2016
Architectural Style	Colonial
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	45,738 sqft
Garage Type	Detached
Garage Area	975 sqft
Patio Area	201 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	46650 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 DIV LOT 1 201010060062063 (2)
Legal Subdivision	KEITH SUBD DIV
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 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	46650 OAK LN, STERLING, VA 20165-8608
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC COAST MTG
Jul 2, 2018	Warranty Deed, Transfer · Conventional Mortgage SUNTRUST MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2018 · Amount on Record
Deed Sale	Jul 19, 2018 · Amount on Record
Prior Sale	Jul 2, 2018 · Amount on Record
Deed Document Number	201841880
Prior Transfer Date	Jun 29, 2018
Prior Transfer Doc	0000041880
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDOUN VA
Property Address	46650 OAK LN, STERLING, VA 20165-8608
Document Number	20201009094657
Instrument Date	Oct 5, 2020
Transaction Type	Mortgage
Record Updated	Nov 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46650 OAK LN STERLING VA 201658608, STERLING, VA 20165-8608

Mortgage

Document Number	20201009094657
Date	Oct 9, 2020
Instrument	94657

Lender

Name	ATLANTIC COAST MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 8, 2050

Interest

Rate Type	Fixed Rate

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDOUN VA
Recording Date	Jul 2, 2018
Property Address	46650 OAK LN, STERLING, VA 20165-8608
Document Number	20180702037999
Instrument Date	Jun 29, 2018
Instrument	37999
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$889.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46650 OAK LN STERLING VA 201658608, STERLING, VA 20165-8608

Mortgage

Document Number	20180702038000
Date	Jul 2, 2018
Instrument	38000

Lender

Name	SUNTRUST MTG
Type	Mortgage Company

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	$10,126.00 (-4.19%)	$1,257,910 (+4.14%) Land $452,500 Building $805,410	$1,257,910 (+4.14%) Land $452,500 Building $805,410
2023	$10,569.00	$1,207,960 Land $285,500 Building $922,460	$1,207,960 Land $285,500 Building $922,460

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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