Skip main navigation
Under contract
    • Price cut: $25K (8/6)
    $899,999

    20644 Cutwater Pl, Sterling, VA 20165

    4beds
    3,170sqft
    : 
    $5,841/mo
    Get pre-qualified
    Single Family Residence
    Built in 1994
    8,712 Square Feet Lot
    $890,700 Zestimate®
    $284/sqft
    $107/mo HOA

    What's special

    Tranquil backyard viewsCozy gas fireplaceStylish finishesExpansive casement windowsBeautifully updated kitchenThoughtfully updatedFour bedrooms
    Gorgeous NVHomes built single family detached in 20165 for under $900K! Uprgraded, Updated and Ready for new owner. What an opportunity! Tucked within the beloved Potomac Lakes enclave of Cascades, this delightful home blends everyday comfort with spaces designed for gathering, celebrating, and making memories. Offering over 3,100 square feet across three finished levels, this beautifully maintained residence features four bedrooms, two full bathrooms, and two half bathrooms, thoughtfully designed to support both everyday living and effortless entertaining. Perfectly positioned on one of the community's most desirable streets, this special setting is among the few in Cascades featuring sidewalks on both sides of the street, creating a welcoming atmosphere for evening strolls, bike rides, and neighborly connections. Just up the street, residents enjoy easy access to the Stone House swimming and tennis complex, Cascades Marketplace, and the Cascades Library. Adding to the neighborhood's distinctive character, Cutwater Place was originally part of Cascades' Builder Model Row when the community was first introduced. As a result, the streetscape showcases a beautiful variety of architectural styles and front elevations, creating a sense of individuality rarely found in newer communities. Thoughtfully maintained and updated, the home offers peace of mind with a new water heater and furnace installed in 2026, a new roof in 2022, and AC in 2021. Sunlight dances across rich hardwood floors on the main level, where gracious living and dining rooms create the perfect backdrop for everything from holiday dinners to quiet evenings at home. At the heart of the home, the beautifully updated kitchen offers abundant cabinetry, stylish finishes, and an effortless connection to the adjoining family room. Here, a cozy gas fireplace anchors the space while expansive casement windows bathe the breakfast area and family room in natural light, framing tranquil backyard views and creating a seamless connection to the outdoors. Step outside to discover a backyard sanctuary designed for lingering conversations and carefree afternoons. An expansive multi-level deck and charming screened gazebo create enchanting spaces for morning coffee, summer gatherings, or simply enjoying the gentle breeze. Upstairs, the spacious primary suite serves as a peaceful retreat, offering generous proportions, abundant natural light, a large walk-in closet, and a beautifully updated private bath designed for comfort and relaxation. Additional bedrooms are generously sized and well-appointed, while an updated secondary bathroom provides style and convenience for family and guests. The finished lower level offers exceptional versatility and valuable additional living space. Whether envisioned as a recreation room, media lounge, fitness studio, home office, playroom, or creative retreat, this expansive level easily adapts to your lifestyle. A wet bar and convenient half bath make it equally suited for entertaining guests, hosting game nights, or simply enjoying everyday living beyond the main level. Life in Cascades is part of the magic. Residents enjoy access to five swimming pool complexes, tennis and pickleball courts, fitness facilities, playgrounds, sports courts, and miles of scenic trails. Nearby Algonkian Regional Park offers golf, boating, riverfront trails, and stunning Potomac River views, while shopping, dining, entertainment, and major commuter routes are all just minutes away. Filled with natural light, thoughtfully updated, and designed for seamless indoor-outdoor living, this is more than a house; it's a place where everyday moments feel just a little more magical.
    76 days
    882
    51

    Likely to sell faster than

    Zillow last checked:

    Listing updated:

    Listed by:

    Kim Spear 703-618-6892,

    Keller Williams Realty 7034309008,

    Co-Listing Agent: Lara D Hopewell 703-338-4947,

    Keller Williams Realty

    Source: Bright MLS,MLS#: VALO2129256MLS Logo

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 4
      • Full bathrooms: 2
      • 1/2 bathrooms: 2
      • Main level bathrooms: 1
      Rooms
      • Room types: Living Room, Dining Room, Primary Bedroom, Bedroom 2, Bedroom 3, Bedroom 4, Kitchen, Family Room, Foyer, Breakfast Room, Laundry, Recreation Room, Utility Room, Primary Bathroom, Full Bath
      Primary bedroom
      • Features: Flooring - Carpet, Cathedral/Vaulted Ceiling, Ceiling Fan(s), Walk-In Closet(s)
      • Level: Upper
      • Area: 234 Square Feet
      • Dimensions: 18 X 13
      Bedroom 2
      • Features: Flooring - Carpet
      • Level: Upper
      • Area: 132 Square Feet
      • Dimensions: 11 X 12
      Bedroom 3
      • Features: Flooring - Carpet, Ceiling Fan(s)
      • Level: Upper
      • Area: 132 Square Feet
      • Dimensions: 12 X 11
      Bedroom 4
      • Features: Flooring - Carpet, Ceiling Fan(s)
      • Level: Upper
      • Area: 130 Square Feet
      • Dimensions: 10 X 13
      Primary bathroom
      • Features: Flooring - Ceramic Tile, Bathroom - Walk-In Shower, Soaking Tub, Double Sink
      • Level: Upper
      • Area: 80 Square Feet
      • Dimensions: 8 X 10
      Breakfast room
      • Features: Flooring - HardWood
      • Level: Main
      • Area: 132 Square Feet
      • Dimensions: 11 X 12
      Dining room
      • Features: Flooring - HardWood, Chair Rail, Crown Molding
      • Level: Main
      • Area: 195 Square Feet
      • Dimensions: 15 X 13
      Family room
      • Features: Flooring - HardWood, Ceiling Fan(s), Fireplace - Gas, Crown Molding, Recessed Lighting
      • Level: Main
      • Area: 208 Square Feet
      • Dimensions: 13 X 16
      Foyer
      • Features: Flooring - HardWood
      • Level: Main
      • Area: 209 Square Feet
      • Dimensions: 19 X 11
      Other
      • Features: Bathroom - Tub Shower, Countertop(s) - Solid Surface, Flooring - Ceramic Tile
      • Level: Upper
      • Area: 55 Square Feet
      • Dimensions: 5 X 11
      Kitchen
      • Features: Flooring - Ceramic Tile, Granite Counters, Recessed Lighting, Lighting - Pendants, Kitchen - Gas Cooking, Skylight(s)
      • Level: Main
      • Area: 182 Square Feet
      • Dimensions: 14 X 13
      Laundry
      • Level: Lower
      • Area: 105 Square Feet
      • Dimensions: 15 X 7
      Living room
      • Features: Flooring - HardWood, Crown Molding
      • Level: Main
      • Area: 221 Square Feet
      • Dimensions: 13 X 17
      Mud room
      • Level: Lower
      • Area: 90 Square Feet
      • Dimensions: 9 X 10
      Recreation room
      • Features: Wet Bar, Flooring - HardWood
      • Level: Lower
      • Area: 286 Square Feet
      • Dimensions: 22 X 13
      Utility room
      • Level: Lower
      Heating
      • Forced Air, Natural Gas
      Cooling
      • Central Air, Ceiling Fan(s), Electric
      Appliances
      • Included: Washer, Dishwasher, Disposal, Ice Maker, Refrigerator, Oven/Range - Gas, Range Hood, Stainless Steel Appliance(s), Water Dispenser, Double Oven, Dryer, Energy Efficient Appliances, Exhaust Fan, Microwave, Water Heater, Gas Water Heater
      • Laundry: Dryer In Unit, Lower Level, Washer In Unit, Laundry Room, Mud Room
      Features
      • Ceiling Fan(s), Recessed Lighting, Bar, Kitchen Island, Formal/Separate Dining Room, Soaking Tub, Bathroom - Walk-In Shower, Breakfast Area, Built-in Features, Chair Railings, Crown Molding, Family Room Off Kitchen, Floor Plan - Traditional, Kitchen - Gourmet, Pantry, Primary Bath(s), Upgraded Countertops, Walk-In Closet(s), 9'+ Ceilings, Cathedral Ceiling(s)
      • Flooring: Hardwood, Ceramic Tile, Carpet, Wood
      • Doors: French Doors, Storm Door(s), Six Panel, Atrium
      • Windows: Atrium, Skylight(s), Casement, Double Pane Windows, Double Hung, Palladian
      • Basement: Finished,Connecting Stairway,Partial,Garage Access,Interior Entry
      • Number of fireplaces: 1
      • Fireplace features: Mantel(s), Gas/Propane
      Interior area
      • Total structure area: 3,170
      • Total interior livable area: 3,170 sqft
      • Finished area above ground: 2,540
      • Finished area below ground: 630
      Video & virtual tour

      Property

      Parking
      • Total spaces: 4
      • Parking features: Garage Faces Front, Garage Door Opener, Driveway, Attached
      • Attached garage spaces: 2
      • Uncovered spaces: 2
      • Details: Garage Sqft: 459
      Accessibility
      • Accessibility features: None
      Features
      • Levels: Three
      • Stories: 3
      • Patio & porch: Deck, Screened
      • Exterior features: Play Equipment, Underground Lawn Sprinkler
      • Pool features: Community
      • Fencing: Back Yard,Full
      • Has view: Yes
      • View description: Trees/Woods
      Lot
      • Size: 8,712 Square Feet
      • Features: No Thru Street, Suburban
      Details
      • Additional structures: Above Grade, Below Grade
      • Parcel number: 018275472000
      • Zoning: PDH4
      • Special conditions: Standard

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Transitional
      • Property subtype: Single Family Residence
      Materials
      • Brick, Vinyl Siding
      • Foundation: Concrete Perimeter
      • Roof: Architectural Shingle
      Condition
      • Very Good
      • New construction: No
      • Year built: 1994
      • Major remodel year: 2015
      Details
      • Builder model: Harrington
      • Builder name: NV Homes

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: Underground Utilities, Fiber Optic

      Community & HOA

      Community
      • Features: Pool
      • Security: Smoke Detector(s)
      • Subdivision: Potomac Lakes
      HOA
      • Has HOA: Yes
      • Amenities included: Basketball Court, Bike Trail, Clubhouse, Common Grounds, Community Center, Fitness Center, Jogging Path, Soccer Field, Pool, Tennis Court(s), Tot Lots/Playground, Party Room, Meeting Room
      • Services included: Common Area Maintenance, Management, Pool(s), Recreation Facility, Snow Removal, Trash
      • HOA fee: $107 monthly
      • HOA name: CASCADES COMMUNITY ASSOCIATION
      Location
      • Region: Sterling

      Financial & listing details

      • Price per square foot: $284/sqft
      • Tax assessed value: $877,080
      • Annual tax amount: $7,188
      • Date on market: 7/1/2026
      • Listing agreement: Exclusive Right To Sell
      • Listing terms: Cash,VA Loan,FHA,Conventional
      • Ownership: Fee Simple

        Estimated market value

        $890,700

        $846,000 - $935,000

        $4,266/mo

        Price history

        DateEventPrice
        8/26/2026Contingent$899,999$284/sqft
        Source: Bright MLS #VALO2129256 Report a problem
        8/6/2026Price change$899,999-2.7%$284/sqft
        Source: Bright MLS #VALO2129256 Report a problem
        7/1/2026Listed for sale$925,000$292/sqft
        Source: Bright MLS #VALO2129256 Report a problem
        6/16/2026Listing removed$925,000$292/sqft
        Source: Bright MLS #VALO2121114 Report a problem
        5/15/2026Price change$925,000-2.6%$292/sqft
        Source: Bright MLS #VALO2121114 Report a problem
        5/7/2026Listed for sale$950,000+5.6%$300/sqft
        Source: Bright MLS #VALO2121114 Report a problem
        8/23/2024Sold$900,000+0%$284/sqft
        Source: Bright MLS #VALO2074600 Report a problem
        7/22/2024Contingent$899,999$284/sqft
        Source: Bright MLS #VALO2074600 Report a problem
        7/19/2024Listed for sale$899,999+15.4%$284/sqft
        Source: Bright MLS #VALO2074600 Report a problem
        11/9/2022Listing removed$779,900$246/sqft
        Source: Bright MLS #VALO2034746 Report a problem
        10/19/2022Price change$779,900-2.5%$246/sqft
        Source: Bright MLS #VALO2034746 Report a problem
        9/30/2022Price change$799,900-3%$252/sqft
        Source: Bright MLS #VALO2034746 Report a problem
        9/4/2022Price change$825,000-2.8%$260/sqft
        Source: Bright MLS #VALO2034746 Report a problem
        8/18/2022Listed for sale$849,000+33.9%$268/sqft
        Source: Bright MLS #VALO2034746 Report a problem
        1/8/2018Sold$634,000-0.8%$200/sqft
        Source: Public Record Report a problem
        12/19/2017Listed for sale$638,888$202/sqft
        Source: Century 21 Redwood Realty #LO10121858 Report a problem
        12/18/2017Pending sale$638,888$202/sqft
        Source: Century 21 Redwood Realty #LO10121858 Report a problem
        12/18/2017Listed for sale$638,888+13.7%$202/sqft
        Source: Century 21 Redwood Realty #1004336703 Report a problem
        11/7/2014Sold$562,000+0.5%$177/sqft
        Source: Agent Provided Report a problem
        9/30/2014Pending sale$559,000$176/sqft
        Source: Keller Williams Capital Prop. #LO8340602 Report a problem
        7/31/2014Price change$559,000-3.5%$176/sqft
        Source: Keller Williams Capital Prop. #LO8340602 Report a problem
        6/10/2014Price change$579,000-3.2%$183/sqft
        Source: Keller Williams Capital Prop. #LO8340602 Report a problem
        5/8/2014Listed for sale$597,900-1.8%$189/sqft
        Source: Keller Williams Capital Prop. #LO8340602 Report a problem
        8/13/2004Sold$608,900+153.9%$192/sqft
        Source: Public Record Report a problem
        4/4/1994Sold$239,840$76/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2026$7,060 -1.8%$877,080 -1.8%
        2025$7,188 +4.4%$892,970 +12.1%
        2024$6,888 +1%$796,300 +2.1%
        2023$6,821 -0.7%$779,560 +1%
        2022$6,866 +2.2%$771,470 +12.5%
        2021$6,718 +3.2%$685,500 +9%
        2020$6,508 +0%$628,770 +2.8%
        2019$6,508 +6.8%$611,680 +8.9%
        2018$6,096 -2.2%$561,830 +1.4%
        2017$6,232 +3.8%$553,990 -0.3%
        2016$6,004 $555,470 +65.6%
        2015$6,004 -1.4%$335,520 -0.6%
        2014$6,091 -2.3%$337,400 +2.9%
        2013$6,235 $327,890
        2012-- --
        2011-- --
        2010-- --
        2009-- $458,700 -13.8%
        2008-- $532,100 -9.1%
        2007-- $585,500 -7.7%
        2006-- $634,300 +24.7%
        2005-- $508,700 +3.5%
        2004-- $491,700 +33.6%
        2003-- $368,000 +6.5%
        2002-- $345,600 +15.3%
        2001-- $299,800
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        See how much you could borrow to make a competitive offer.
        Get pre-qualified

        Climate risks

        Neighborhood: 20165

        Getting around

        18 / 100
        Car-Dependent
        15 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Potowmack
        • Middle: River Bend
        • High: Potomac Falls
        • District: Loudoun County Public Schools

        Source: Bright MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

        A local agent can set up tours, give advice and negotiate with sellers.

        Browse local experts

        Similar homes

            Nearby cities

            Nearby neighborhoods

            Nearby zip codes

            Other Sterling Topics

              Search
              Updates
              Favorites
              Plan
              Inbox