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Single Family ResidenceResidential
$859,649$347 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

20432 RIVER BANK ST

STERLING, VA 20165
4
Beds
4 / 1
Baths
2,479 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.12 ac
Lot SizeThe size of the land the home sits on, from county records.
2001
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$860K
$820K low$899K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$389,649
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$311,719
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.53%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$470,000
AURORA FIN'L · recorded Sep 15, 2015

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,296 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$906,370 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$278,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$627,670
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$811,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$906,370

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.41
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
13
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
78
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
80
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
34
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountyLoudoun
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2006
Lot (acres)The size of the land the home sits on, from county records.0.12
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 173 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Horizon Elementary SchoolA-
Elementary · Grades PK–5 · 1.4 mi
M
Seneca Ridge Middle SchoolC+
Middle · Grades 6–8 · 1.6 mi
H
Dominion High SchoolB-
High · Grades 9–12 · 1.7 mi

District: Loudoun County Public Schools

Neighborhood · ZIP 20165These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.71
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.37

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.98%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.41%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.2.2%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.34,365
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,477 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$168,530
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$209,771
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.42 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

20432 River Bank St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Newer than 91% of homes in Sterling 20165

What homes are worth in Sterling 20165

Each bar is how many homes fall in that price range. The marker is this home.

This home
$369K$1.3M

This home is worth more than 63% of homes in Sterling 20165.

How it measures up in Sterling 20165

The dot is this home. The mark in the middle is the typical home in Sterling 20165.

Estimated value$859,649
CheaperTypical $746,770Pricier

Pricier than 63% of homes nearby

Price per ft²$347
CheaperTypical $348Pricier

Pricier than 49% of homes nearby

Living area2,479 ft²
SmallerTypical 2,278 ft²Bigger

Bigger than 63% of homes nearby

Lot size0.12 ac
SmallerTypical 0.15 acBigger

Bigger than 44% of homes nearby

Year built2001
OlderTypical 1994Newer

Newer than 91% of homes nearby

How 20432 River Bank St ranks against every home in each area.
MeasureThis homeSterling 20165Loudoun County
Estimated valuepricier than$859,64963% of homes56% of homes
Price per ft²pricier than$34749% of homes56% of homes
Living areabigger than2,479 ft²63% of homes50% of homes
Lot sizebigger than0.12 ac44% of homes36% of homes
Year builtnewer than200191% of homes47% of homes

About 20432 River Bank St

How much is 20432 River Bank St, Sterling, VA worth?

The TopHap Estimate for 20432 River Bank St, Sterling, VA is $859,649 as of Jul 14, 2026. The likely range is $820,421 to $898,877. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20432 River Bank St, Sterling, VA last sell?

20432 River Bank St, Sterling, VA last sold on Sep 15, 2015, according to the county's recorded deed.

How big is 20432 River Bank St, Sterling, VA?

20432 River Bank St, Sterling, VA has 4 bedrooms, 4 bathrooms, 2,479 square feet of living space and a 0.12-acre lot.

When was 20432 River Bank St, Sterling, VA built?

20432 River Bank St, Sterling, VA was built in 2001, making it 25 years old. It is a colonial home. The building has 2 stories.

What schools serve 20432 River Bank St, Sterling, VA?

20432 River Bank St, Sterling, VA is assigned to Horizon Elementary School (elementary), rated A-; Seneca Ridge Middle School (middle), rated C+; Dominion High School (high), rated B-. All sit in Loudoun County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20432 River Bank St, Sterling, VA compare to other homes in Sterling 20165?

Among the 10,655 homes in Sterling 20165, it is worth more than 63% of them ($859,649 against a typical $746,770), its price per square foot is higher than 49% of them ($347 against a typical $348), it is bigger than 63% of them (2,479 ft² against a typical 2,278 ft²), its lot is bigger than 44% of them (0.12 ac against a typical 0.15 ac) and it is newer than 91% of them (2001 against a typical 1994). Measured against all of Loudoun County, it is worth more than 56% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 20432 River Bank St, Sterling, VA?

The 2025 property tax bill for 20432 River Bank St, Sterling, VA was $7,296. The county assessed it at $906,370.

Closest homes

More homes in Sterling 20165

Assigned schools

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