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20869 Channel Ct, Sterling, VA, 20165

3beds
5baths
4,124sqft
$980,000
$238price/sqft
$6,183/moest. monthly cost
$247,320/yrincome needed

About This Home

Don't miss this exceptional opportunity to own your own private retreat in sought after Lowes Island for under 1M. Offering more than 4100+ square feet, this custom California Contemporary (built by Batal) is distinguished by its light-filled open design, beautiful wooded views, expansive outdoor living spaces and upgraded Comfort Line fiberglass windows and exterior doors. The home is surrounded by walking, jogging and bike trails and is close to a world class golf course and club. Algonkian Regional Park provides access to the Potomac River while nearby Seneca Regional Park offers additional opportunities to enjoy nature. Residents also enjoy the many Cascades amenities which include a Pickleball Ct, 5 Pools, Fitness center, Clubhouse, Playgrounds and Tot lots. It's also convenient to the newly redefined upscale Cascades Marketplace offering many new restaurants and outdoor spaces, One LIFE Fitness Center, Great Falls Plaza, One Loudoun and many other shops, restaurants and commuter routes. Reston Hospital and Loudoun Hospital are approximately 5 miles away. The light-filled main level features an open, harmonious flow among the living room, dining room, kitchen and family room complemented by the beautiful hickory hardwood flooring throughout. Expansive views of the surrounding trees and multiple outdoor decking spaces bring the beauty of nature indoors. An especially valuable improvement is the replacement of the home's original windows and exterior doors with premium Comfort Line fiberglass models. These upgraded windows and doors complement the home's distinctive contemporary design while contributing to its comfort, durability and ease of maintenance. The tree-lined wraparound composite deck provides an impressive setting for entertaining, dining outdoors or relaxing with a good book and a refreshing drink. At the heart of the home is the beautifully remodeled gourmet kitchen equipped with a 6-burner GE Profile gas dual fuel range with lower oven, GE Profile Refrigerator, Bosch Dishwasher, U-LINE Beverage cooler, Corian integrated counters and sink, high end Rutt cabinetry with inset cabinet doors (the most expensive style) and undermount lighting. Plentiful cabinet storage and drawer rollouts make this kitchen a joy to prepare meals and snacks. The spacious Primary Bedroom includes a separate dressing area and deep walk-in closet. Its luxurious bath features a double shower, a Bain Ultra Air Jet soaking tub surrounded by Calcutta gold marble and a beautiful Silestone double sink vanity with Rutt cabinetry. The additional bedrooms are generously sized, offer deep closets and include their own private ensuite baths. The Guest Powder room is an elegant complement to the main floor with its rectangular Kohler sink, Rutt Cabinetry and Silestone counter. The Calcutta gold marble floor is stunning. The finished lower level offers a full bath, recreation area, storage rooms and flexible space suitable for an office, exercise, hobbies or guests. Even the 2-car garage has been thoughtfully designed for maximum organization. It's professionally installed Tek Integrated Storage System includes built-in cabinetry, multiple shelving systems, organizers and a butcher block workbench. Are you an empty nester? This home offers a variety of spaces and is almost maintenance free! Lovingly maintained by its original owner, the home has received extensive improvements and replacements: 2023-LG Large capacity front load washer & dryer with pedestal drawers; 2022-HVAC; 2021-Roof (35-year architectural shingles) and gutter screens; 2018-Water Heater; 2008-2012-Premium Comfort Line fiberglass windows and exterior doors; 2008-Complete remodeling of the kitchen, primary bath, powder room and ensuite baths; 2007-Insulated garage door; Additional improvements include a Rainbird irrigation system and replacement gutters.

Getting Around

34
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

9/10
5/10
6/10
Dominion High SchoolGrades PK-121.5 mi

Construction

Condition

  • Year built: 1992

Materials

  • Foundation: Active Radon Mitigation,Concrete Perimeter
  • Roof: Architectural Shingle
  • Construction materials: HardiPlank Type

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Six Burner Stove,Stainless Steel Appliance(s),Refrigerator,Range Hood,Oven/Range - Gas,Disposal,Dishwasher,Dryer,Ice Maker,Washer,Gas Water Heater
  • Laundry features: Laundry Room

Basement

  • Has basement: Yes
  • Basement: Finished,Interior Entry,Sump Pump

Bathroom1

  • Features: Soaking Tub,Bathroom - Walk-In Shower,Double Sink
  • Level: Upper
  • Area: 240
  • Dimensions: 15 X 16

Bathroom1

  • Features: Bathroom - Tub Shower,Flooring - Ceramic Tile
  • Level: Lower
  • Area: 45
  • Dimensions: 5 X 9

Bathroom2

  • Features: Bathroom - Walk-In Shower
  • Level: Upper
  • Area: 55
  • Dimensions: 5 X 11

Bathroom3

  • Features: Bathroom - Tub Shower,Double Sink
  • Level: Upper
  • Area: 66
  • Dimensions: 6 X 11

Bedroom1

  • Features: Attached Bathroom,Flooring - Carpet,Walk-In Closet(s)
  • Level: Upper
  • Area: 315
  • Dimensions: 21 X 15

Bedroom2

  • Features: Flooring - Carpet,Attached Bathroom
  • Level: Upper
  • Area: 320
  • Dimensions: 16 X 20

Bedroom3

  • Features: Attached Bathroom,Balcony Access,Flooring - Carpet
  • Level: Upper
  • Area: 169
  • Dimensions: 13 X 13

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 255
  • Dimensions: 15 X 17

Exercise Room

  • Features: Flooring - Carpet
  • Level: Lower
  • Area: 144
  • Dimensions: 12 X 12

Family Room

  • Features: Fireplace - Gas,Flooring - HardWood
  • Level: Main
  • Area: 304
  • Dimensions: 19 X 16

Features

  • 9'+ Ceilings
  • Flooring: Hardwood,Marble,Carpet,Ceramic Tile
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 999
  • Finished area above ground: 3,125

Foyer

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 108
  • Dimensions: 9 X 12

Half Bath

  • Features: Flooring - Marble
  • Level: Main
  • Area: 36
  • Dimensions: 6 X 6

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 4,124
  • Total interior livable area: 4,124 sqft

Kitchen

  • Features: Countertop(s) - Solid Surface,Flooring - HardWood,Kitchen Island,Eat-in Kitchen,Kitchen - Gas Cooking
  • Level: Main
  • Area: 225
  • Dimensions: 15 X 15

Laundry

  • Level: Upper

Living Room

  • Features: Flooring - HardWood,Balcony Access
  • Level: Main
  • Area: 169
  • Dimensions: 13 X 13

Other

  • Features: Flooring - Carpet
  • Level: Lower
  • Area: 42
  • Dimensions: 7 X 6

Other

  • Features: Flooring - Carpet
  • Level: Lower
  • Area: 143
  • Dimensions: 13 X 11

Recreation Room

  • Features: Flooring - Carpet
  • Level: Lower
  • Area: 946
  • Dimensions: 22 X 43

Utility Room

  • Level: Lower
  • Area: 63
  • Dimensions: 7 X 9

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 007494140000
  • Zoning: PDH4
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: Community

Lot

  • Lot size: 5,663 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Garage Door Opener,Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Winter Weather
Heat Wave
Inland Flooding
Lightning
Strong Wind
Tornado

FEMA Declared Disasters Across Virginia Counties

Severe Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $4,955$59,460
Home Insurance *$174$2,088
Property Taxes $657$7,884
Electricity $397$4,766
Total$6,183$74,196
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$211,988/yr
40% on housing$185,490/yr
45% on housing$164,880/yr

Virginia FAIR Plan Programs

Virginia Property Insurance Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 22,622Commercial: 503
Total Premiums$20.86M
Total Exposure$4.29B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.8%
10.8%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: -0.8%
-0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$238This listing

vs Other Active Listings

Avg $/sqft

ZIP 20165$288
Loudoun County$304

vs Homes Sold Last Month

Median $/sqft

ZIP 20165$258
Loudoun County$270

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-06Listed for sale$980,000
1992-04-28Sold$265,829

For Sale by Agent

AgentGloriAnne Schultz
BrokeragePearson Smith Realty, LLC

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