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43000 Prophecy Ter, Sterling, VA, 20166

3beds
3baths
1,700sqft
$515,000
$303price/sqft
$3,223/moest. monthly cost
$128,920/yrincome needed

About This Home

Stunning and meticulously maintained 3-bedroom, 2.5-bathroom Matisse model end-unit condo-townhome in the highly sought-after Arcola Town Center community! Spanning two bright and spacious levels with an open-concept layout, this contemporary home boasts over 1,700 square feet of modern living space and extra natural light from being an end unit. The main level features a seamless flow perfect for entertaining, highlighted by a gourmet kitchen, expansive living area, and a convenient powder room. Upstairs, retreat to the luxurious primary suite alongside two additional generous bedrooms and a dedicated upper-level laundry room. Complete with a rear-loading 1-car attached garage. Enjoy an array of premium community amenities including an outdoor pool, clubhouse, fitness center, common grounds, and playgrounds. Unbeatable location just minutes from Route 50, Loudoun County Parkway, premium shopping, dining, and top-rated Loudoun County schools. Welcome home!

Getting Around

24
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

9/10
8/10
Stone Hill Middle SchoolGrades 6-82.5 mi
9/10
Rock Ridge High SchoolGrades PK-123.3 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Slab
  • Construction materials: Brick,Vinyl Siding

Type & Style

  • Home type: Townhouse
  • Architectural style: Transitional
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Area: 0

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,700

Heating & Cooling

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

Interior Area

  • Total structure area: 1,700
  • Total interior livable area: 1,700 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 163270510001
  • Zoning: R24
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community

Parking

  • Total spaces: 1
  • Parking features: Garage Faces Rear,Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 WeatherModerate

How This Home’s Risks Compare

Winter Weather

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 $2,604$31,248
Home Insurance *$72$864
Property Taxes $345$4,140
Electricity $202$2,433
Total$3,223$38,676
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$110,502/yr
40% on housing$96,690/yr
45% on housing$85,946/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

$303This listing

vs Other Active Listings

Avg $/sqft

ZIP 20166$282
Loudoun County$304

vs Homes Sold Last Month

Median $/sqft

ZIP 20166$202
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
2026-08-17Listed for sale$515,000
2026-08-11Price change$2,900
2026-08-04Listing removed$515,000
2026-08-03Listed for rent$2,950
2026-07-31Price change$515,000
2026-07-25Price change$525,000
2026-07-14Price change$530,000
2026-06-29Listed for sale$535,000

For Sale by Agent

AgentAyush Neupane
BrokerageSamson Properties

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