Loudoun County property record for 47582 Reef Ter, Sterling, VA 20165
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 2.5 ba · 2,110 sqft · built 1993 |
| Lot Size | 0.04 acres (1,742 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $394,900 (Aug 2007) |
| Tax Bill | $4,850 (2026) |
| Deeds & Mortgages | Dec 2025 Second Mortgage Jul 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 006-18-8916-000 |
| Primary APN | 006-18-8916-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 3 Stories |
| Building Area | 2,110 sqft Living Area |
| 1st Floor Area | 792 sqft |
| Basement Area | 504 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Townhouse |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 1,742 sqft (0.04 acres) |
| Garage Type | Basement |
| Garage Area | 240 sqft |
| Deck Area | Deck Area |
| Patio Area | 394 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 47582 REEF TER |
|---|---|
| City | STERLING |
| State | VA |
| Zip | 20165-7481 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PDH4 |
| Legal Description | CASCADES SEC.10B LOT 611 200708310064494 |
| Legal Subdivision | CASCADES |
| Legal Block | 3 |
| Legal Lot Number | 611 |
| Jurisdiction | LOUDOUN VA |
| Township / Civil Division | ALGONKIAN |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 611209 |
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 | 47582 REEF TER, STERLING, VA 20165-7481 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Right of Survivorship |
| Date | Document |
|---|---|
| Dec 15, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOANDEPOT.COM LLC |
| Jul 12, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance PLAINS COMMERCE BANK |
| Oct 23, 2017 | Deed of Trust, Mortgage · Line of Credit TOWER FCU |
| Aug 10, 2017 | Deed of Trust, Mortgage · Conventional with PMI MB FIN'L BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2007 · Amount on Record |
| Deed Sale | Aug 31, 2007 · Amount on Record |
| Prior Sale | Mar 1, 1994 · Amount on Record |
| Deed Document Number | 200764494 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 47582 REEF TER, STERLING, VA 20165-7481 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000060829 |
|---|---|
| Date | Dec 15, 2025 |
| Instrument | 20251215-0060829 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 47582 REEF TER, STERLING, VA 20165-7481 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000075580 |
|---|---|
| Date | Jul 12, 2021 |
| Instrument | 202107120075580 |
| Name | PLAINS COMMERCE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 47582 REEF TER, STERLING, VA 20165-7481 |
| Document Number | 20171103069034 |
| Instrument Date | Oct 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2017 |
| Name | Verified Name |
|---|
| Document Number | 20171103069034 |
|---|---|
| Date | Nov 3, 2017 |
| Instrument | 69034 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 2, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDOUN VA |
| Property Address | 47582 REEF TER, STERLING, VA 20165-7481 |
| Document Number | 20170815050556 |
| Instrument Date | Aug 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2017 |
| Name | Verified Name |
|---|
| Document Number | 20170815050556 |
|---|---|
| Date | Aug 15, 2017 |
| Instrument | 50556 |
| Name | MB FIN'L BK |
|---|---|
| Type | Bank |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 14, 2037 |
| 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 | $4,850.00 (+4.55%) | $602,490 (+13.63%) Land $225,000 Building $377,490 | $602,490 (+13.63%) Land $225,000 Building $377,490 |
| 2023 | $4,639.00 | $530,220 Land $175,000 Building $355,220 | $530,220 Land $175,000 Building $355,220 |
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 | 4 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 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 560 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 |
| AT&T Fixed Wireless | 100 / 20 |
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