20644 Cutwater Pl, Sterling, VA 20165
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FOR SALE
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20644 Cutwater Pl
Sterling, VA 20165

  • 4 Beds
  • 3 Baths
  • 3,170 sqft

$899,999

Original price: $925,000
Est. Mortgage $5,371/mo*
Get Pre-Qualified

$899,999

Original price: $925,000
Est. Mortgage $5,371/mo*
Get Pre-Qualified
4 Beds
3 Baths
3,170 sqft
We estimate this home will sell faster than 84% nearby.

Home Highlights

Parking
2 Car Garage
Outdoor
Deck
HOA
$107/Monthly
Price/Sqft
$284
Climate Control
Forced Air, Natural Gas & Central Air, Ceiling Fans
Listed
53 days ago

Local Information

  • Map ViewExplore the area around 20644 Cutwater Pl.
  • Schools1 Preschool School1 Elementary School1 Middle School1 High School
  • Shop & Eat
-- mins to
Commute Destination

About this House

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.
Last check for updates: about 7 hours ago
Listing courtesy of Kim Spear, (703) 618-6892
Keller Williams Realty, (703) 430-9008
Co-Listing Agent: Lara D Hopewell, (703) 338-4947
Keller Williams Realty, (703) 430-9008
Source: Bright MLS, MLS#VALO2129256
Also Listed on Bright MLS.
We estimate this home will sell faster than 84% nearby.

Home Details for 20644 Cutwater Pl

Interior Features

Interior Details
Basement: Finished,Connecting Stairway,Partial,Garage Access,Interior EntryNumber of Rooms: 16Types of Rooms: Primary Bedroom, Bedroom 2, Bedroom 3, Bedroom 4, Primary Bathroom, Breakfast Room, Dining Room, Family Room, Foyer, Full Bath, Kitchen, Laundry, Living Room, Mud Room, Recreation Room, Utility Room
Beds & Baths
Number of Bedrooms: 4Number of Bathrooms: 4Number of Bathrooms (full): 2Number of Bathrooms (half): 2Number of Bathrooms (main level): 1
Dimensions and Layout
Living Area: 3170 Square Feet
Appliances & Utilities
Utilities: Underground Utilities, Fiber OpticAppliances: 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 HeaterDishwasherDisposalDryerLaundry: Dryer In Unit,Lower Level,Washer In Unit,Laundry Room,Mud RoomMicrowaveRefrigeratorWasher
Heating & Cooling
Heating: Forced Air,Natural GasHas CoolingAir Conditioning: Central Air,Ceiling Fan(s),ElectricHas HeatingHeating Fuel: Forced Air
Fireplace & Spa
Number of Fireplaces: 1Fireplace: Mantel(s), Gas/PropaneHas a Fireplace
Windows, Doors, Floors & Walls
Window: Atrium, Skylight(s), Casement, Double Pane Windows, Double Hung, PalladianDoor: French Doors, Storm Door(s), Six Panel, AtriumFlooring: Hardwood, Ceramic Tile, Carpet, Wood
Levels, Entrance, & Accessibility
Stories: 3Levels: ThreeAccessibility: NoneFloors: Hardwood, Ceramic Tile, Carpet, Wood
View
Has a ViewView: Trees/Woods
Security
Security: Smoke Detector(s)

Exterior Features

Exterior Home Features
Roof: Architectural ShinglePatio / Porch: Deck, ScreenedFencing: Back Yard, FullOther Structures: Above Grade, Below GradeExterior: Play Equipment, Underground Lawn SprinklerFoundation: Concrete PerimeterNo Private Pool
Parking & Garage
Number of Garage Spaces: 2Number of Covered Spaces: 2Open Parking Spaces: 2Other Parking: Garage Sqft: 459No CarportHas a GarageHas an Attached GarageHas Open ParkingParking Spaces: 4Parking: Garage Faces Front,Garage Door Opener,Driveway,Attached
Pool
Pool: Community
Frontage
Not on Waterfront
Water & Sewer
Sewer: Public Sewer
Finished Area
Finished Area (above surface): 2540 Square FeetFinished Area (below surface): 630 Square Feet

Days on Market

Days on Market: 53

Property Information

Year Built
Year Built: 1994Year Renovated: 2015
Property Type / Style
Property Type: ResidentialProperty Subtype: Single Family ResidenceStructure Type: DetachedArchitecture: Transitional
Building
Construction Materials: Brick, Vinyl SidingNot a New Construction
Property Information
Condition: Very GoodParcel Number: 018275472000

Price & Status

Price
List Price: $899,999Price Per Sqft: $284
Status Change & Dates
Possession Timing: Close Of Escrow, Negotiable

Active Status

MLS Status: ACTIVE

Media

Location

Direction & Address
City: POTOMAC FALLSCommunity: Potomac Lakes
School Information
Elementary School: PotowmackElementary School District: Loudoun County Public SchoolsJr High / Middle School: River BendJr High / Middle School District: Loudoun County Public SchoolsHigh School: Potomac FallsHigh School District: Loudoun County Public Schools

Agent Information

Listing Agent
Listing ID: VALO2129256

Building

Building Details
Builder Model: HarringtonBuilder Name: NV Homes
Building Area
Building Area: 3170 Square Feet

Community

Community Features: PoolNot Senior Community

HOA

HOA Fee Includes: Common Area Maintenance, Management, Pool(s), Recreation Facility, Snow Removal, TrashHOA Name: CASCADES COMMUNITY ASSOCIATIONHas an HOAHOA Fee: $107/Monthly

Lot Information

Lot Area: 8712 sqft

Listing Info

Special Conditions: Standard

Offer

Listing Agreement Type: Exclusive Right To SellListing Terms: Cash, VA Loan, FHA, Conventional

Business

Business Information
Ownership: Fee Simple

Miscellaneous

BasementMls Number: VALO2129256Above Grade Unfinished Area: 2540

Additional Information

HOA Amenities: 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 RoomSource Internet Automated Valuation Display: YSource Internet Consumer Comment: YSource Internet Entire Listing Display: YSource Internet Address Display: Y

Around this home

What Locals Say about Sterling

At least 387 Trulia users voted on each feature.

  • 89 % Say there are sidewalks

  • 88 % Say it's dog friendly

  • 86 % Say car is needed

  • 77 % Say kids play outside

  • 73 % Say there's holiday spirit

  • 73 % Say yards are well-kept

  • 72 % Say parking is easy

  • 68 % Say it's quiet

  • 66 % Say people would walk alone at night

  • 58 % Say there's wildlife

  • 55 % Say neighbors are friendly

  • 55 % Say they plan to stay for at least 5 years

  • 54 % Say streets are well-lit

  • 54 % Say it's walkable to grocery stores

  • 50 % Say it's walkable to restaurants

  • 34 % Say there are community events

Sourced by Trulia users. Learn more about our methodology.
  • Stefanie
    "Super friendly and lots of space for dogs to play and meet other pals. Awesome area, truly awesome. "
    0
    Flag
  • Linamufti
    "We have holiday parties and coffee hours there many community centers and facilities available for use"
    0
    Flag
  • Fdevlin08
    "Great professional class neighborhood and very quiet. Neighbors are respectful and offer help if needed. Everyone maintains their yard and house."
    0
    Flag
  • Julie Carter
    "There’s good paths and baggies for dog waste. Owners are good about using leashes. It is a safe area. "
    0
    Flag
  • Julie Carter
    "It is a safe neighborhood and a good place to raise children. The schools are great and there’s a lot of activities for families. "
    0
    Flag
  • Lilovayass
    "Lowe’s island is very unique location with walking distance to the plaza and very family oriented ! "
    0
    Flag
  • Hbk_gaurav007
    "I work from home, no commute but drives are very good otherwise. A lot of people around here overspeed and jump stop signs/traffic lights. High accident prone area."
    0
    Flag
  • Kamica
    "Traffic can be heavy during peak hours . However, I left for work at 5:30am so I don’t encounter much traffic at that time of the morning. "
    0
    Flag
  • J Porter
    "They have plenty of doggie bag stations. Many people are pet friendly and they are trails/sidewalks all over the neighborhood. "
    1
    Flag
  • J Porter
    "nice neighborhood. Great neighbors. Nice schools. You feel very safe and the neighborhood is clean and well kept. "
    0
    Flag
  • Triston Smith
    "The folks that are here are pretty dog friendly. I’ve not seen people be antagonistic toward them or their owners and they have free reign. "
    0
    Flag
  • Torrance Thomas
    "I always catch my neighbor, walking the dog pooping in my front yard and walking away. Thanks to the ring cam"
    0
    Flag
  • Muzamilmukhtar6
    "Keep them safe and sound and dont move and be nice and nice to animals kind animals love animals no hate"
    2
    Flag
  • Trulia User
    "Friendly neighborhood very nice clothes to Dulles airport 45 to 40 minutes to Washington DC 20 minutes from Alexandria and more"
    0
    Flag
  • Trulia User
    "Countryside community is Safe, convenient with a good school. People in the neighborhood is very friendly. "
    0
    Flag
  • Besa N.
    "I love Sterling you can find anything you need schools are great and family oriented people! Highly recommended "
    8
    Flag
  • Nicholas R.
    "Very pet friendly. Lots of awesome dogs and their owners are always friendly. Plenty of waste baskets with bags too. "
    0
    Flag
  • Handoko S.
    "w&od trail is a fun place to exercise, casual walk and biking where you can access to the local brewey and cafe"
    1
    Flag
  • Bobbonnette
    "There are lots of families, parks and recreation centers, close to shopping, churches and schools. There are some lower income units in area where I live. "
    0
    Flag
  • Nino1031
    "pools, trails, parks, tennis courts, basketball, and playgrounds. this has it all. love my neighborhood."
    0
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  • Dmspiv7
    "It is quite and peaceful and everyone is friendly and helpful. Lots of Community things to do. The schools are great. "
    1
    Flag
  • Milleram88
    "Amazing neighborhood for raising children, great schools, and awesome for those who want a little getaway from the hustle and bustle of northern VA"
    0
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  • KIESHIA B.
    "it's nice and it is extremely close to shops, shopping mall and restaurants. it is quiet and seems pretty safe. "
    1
    Flag
  • Kevin B.
    "This is a very kid friendly neighborhood. Plenty of kids play here safely. Schools are nearby. Playgrounds as well."
    0
    Flag
  • Jinasfun
    "many families and very nice neighbors. community feel. close bars, restaurants and grocery. many parks and nature trails."
    0
    Flag
  • Kevin B.
    "Sterling doesn't have a robust public transportation system. Mainly a system for office commuters in lieu of a commuter rail system. "
    0
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  • Aaron_lawson2003
    "I've lived in the neighborhood for over a year now and found the amenities plentiful and the people in the area being very dog friendly. "
    0
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  • Jorge C.
    "Depending on the day, it can be a little longer but not horrible. With the new road construction right now it is putting more of a stress on traffic and time. "
    0
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  • Gi N.
    "Horrible if you don’t get on the highway by 5:30 am. Difference is an hour additional time if you leave at 7:00 vs 5:30 am"
    4
    Flag
  • Denise W.
    "Ok, considering I’m within a mile of a bus route. The traffic is horrible in the area. ..............."
    2
    Flag
  • Imthenachoman
    "Great suburban community for young families or grandparents. Average schools. No traffic. Diverse community. "
    0
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  • Ibrahim A. B.
    "There are many nice people here and it is mostly quiet, peaceful, tranquil and people often just mind their own lives...(:"
    0
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  • Ktiglg04
    "This neighborhood is where I grew up and it has continued to be a family friendly place throughout the years."
    0
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  • Sidselita76
    "This is a safe area, close to everything. It has safe and good schools. There is a couple of parks around but also stores! Like Walmart or costo!"
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  • Gwyncan
    "We’ve live here almost 5 years, we love it here. Very well managed community with awesome maintenance team. Snow removal is especially nice. They pick up trash out our door daily. We love having a large balcony and our own garage too."
    7
    Flag
  • Kyle P.
    "Sterling used to be a real nice place live but then MS-13 moved in now they have a lot of games and your kids get in trouble I have a 15 year old son we got to a fight at school and is now on probation for it he was getting bored I stood up to the bully and the bully won "
    0
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  • Jona F.
    "I have lived for three years and I think a great place .. with much tranquility .. and areas to enjoy with family hosts"
    1
    Flag
  • Stoorai
    "Education, human values, mixed race, gender, age. Everyone is very friendly and welcome each new nighbor when they move in "
    0
    Flag
  • Mon7860
    "This community is good. People are very friendly. We have sidewalk, car parking. But less groceries.little more traffic as well, anyways I feel really good."
    0
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  • Couragesoccer
    "Nothing special right now it’s a transnational neighborhood. Nothing close expect basic chains zzzzzz"
    0
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Market trends in Sterling

Last updated July 2026
Buyer'sMarketSeller'sMarket
Avg. sale price
$648K
$12KMoM
Sale-to-List Price
100.6%
0.3%MoM
Price per sq ft
$310
$1MoM
Available listings
187
14MoM

Home Value

Trulia Estimate
$891K
Since last month
Decreased$26K (-2.9%)
Since last year
Decreased$21K (-2.3%)
Since last sale
Decreased$9K (-1%)
Learn more about this home's value by checking out its Trulia Estimate, the value of nearby homes, and how much similar homes have sold for.

Trulia Estimate

The of this home's value increased by +53% in the last 10 years
MonthEstimated value
2026
August 2026$891K
July 2026$917K
June 2026$918K
May 2026$922K
April 2026$957K
March 2026$948K
February 2026$924K
January 2026$918K
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

Comparable sales

These are recently sold homes that have a similar location or other similar features to this home, like bedrooms, bathrooms, and square footage. Get a sense of the expected prices in the area by viewing these homes.
Address
Distance
Property Type
Sold Price
Sold Date
Bed
Bath
Sqft
20594 Shadow Woods Ct, Sterling, VA
0.07
Single-Family Home
$850,000
11/14/25
4
2.5
2,715
20639 Cutwater Pl, Sterling, VA
0.03
Single-Family Home
$945,000
04/21/26
5
3.5
3,458
20595 Shadow Woods Ct, Sterling, VA
0.07
Single-Family Home
$977,600
05/28/26
4
3.5
3,574
20644 Belwood Ct, Sterling, VA
0.15
Single-Family Home
$951,000
02/27/26
4
3.5
3,441
20608 Middlecreek Ct, Sterling, VA
0.34
Single-Family Home
$850,000
11/05/25
4
3
2,948
46425 Meanders Run Ct, Sterling, VA
0.33
Single-Family Home
$895,000
09/25/25
4
3.5
3,390
20716 Corkwood Dr, Sterling, VA
0.19
Single-Family Home
$910,000
05/26/26
5
3.5
3,285
20525 Brandywine Ct, Sterling, VA
0.31
Single-Family Home
$976,000
04/08/26
4
3.5
3,516
46409 Woodlake Pl, Sterling, VA
0.37
Single-Family Home
$794,000
08/25/25
4
2.5
2,316
105 Country Rd, Sterling, VA
0.36
Single-Family Home
$800,000
04/17/26
4
2.5
2,152

Nearby home prices

Get a sense of expected prices in the area by checking the value of nearby homes.
Address
Distance
Price
Bed
Bath
Sqft
Status
20639 Cutwater Pl, Sterling, VA 20165
0.03
$945,000
5
3.5
3,458
Recently Sold
20594 Shadow Woods Ct, Sterling, VA 20165
0.07
$850,000
4
2.5
2,715
Recently Sold
20595 Shadow Woods Ct, Sterling, VA 20165
0.07
$977,600
4
3.5
3,574
Recently Sold
20623 Cutwater Pl, Sterling, VA 20165
0.07
$1,165,500
6
4.5
5,948
Off Market
20620 Marsh Ct, Sterling, VA 20165
0.05
$865,900
4
2.5
2,920
Off Market
20608 Marsh Ct, Sterling, VA 20165
0.06
$878,400
4
3.5
3,944
Off Market
20596 Marsh Ct, Sterling, VA 20165
0.09
$907,400
4
3.5
2,988
Off Market
20642 Fairwater Pl, Sterling, VA 20165
0.10
$921,500
4
3.5
2,877
Off Market
20584 Marsh Ct, Sterling, VA 20165
0.11
$1,051,200
5
4.5
4,883
Off Market
20644 Belwood Ct, Sterling, VA 20165
0.15
$951,000
4
3.5
3,441
Recently Sold
295 Chelmsford Ct, Sterling, VA 20165
0.17
$536,600
3
2.5
1,903
Off Market

Price and Tax history

DateEventPrice
Aug 6, 2026
Source: Bright MLS #VALO2129256
PriceChange
$899,999
Price decreased by 3%
Jul 1, 2026
Source: Bright MLS #VALO2129256
Listed For Sale
$925,000
Jun 16, 2026
Source: Bright MLS #VALO2121114
ListingRemoved
$925,000
May 15, 2026
Source: Bright MLS #VALO2121114
PriceChange
$925,000
Price decreased by 3%
May 7, 2026
Source: Bright MLS #VALO2121114
Listed For Sale
$950,000

LGBTQ Local Legal Protections

Kim Spear, Keller Williams Realty, (703) 430-9008
Agent Phone: (703) 618-6892
The data relating to real estate for sale on this website appears in part through the BRIGHT Internet Data Exchange program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms, and is provided by BRIGHT through a licensing agreement. Listing information is from various brokers who participate in the Bright MLS IDX program and not all listings may be visible on the site. The property information being provided on or through the website is for the personal, non-commercial use of consumers and such information may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Some properties which appear for sale on the website may no longer be available because they are for instance, under contract, sold or are no longer being offered for sale. Property information displayed is deemed reliable but is not guaranteed. Copyright 2026 Bright MLS, Inc. Click here for more information

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Frequently asked questions about 20644 Cutwater Pl

  • What is the estimated monthly payment for 20644 Cutwater Pl?
    Based on a $899,999 list price with 20% down at today's rates, the estimated monthly payment for 20644 Cutwater Pl in Sterling, VA is approximately $5,362 (about $4,687 principal & interest, $600 property taxes, and $75 homeowner's insurance). This is an estimate. Actual payment depends on your loan terms.
  • How does the list price for 20644 Cutwater Pl compare to homes in Sterling?
    20644 Cutwater Pl in Sterling, VA is listed at $899,999, about 39% above the $648K median sale price in Sterling.
  • What do residents say about Sterling?
    Residents describe Sterling, VA as pedestrian-friendly, dog-friendly, and well-kept. See homes for sale in Sterling, VA.
  • What are the closest schools to 20644 Cutwater Pl?
    The closest schools to 20644 Cutwater Pl in Sterling, VA are Potomac Falls High School (rated 7/10), Potowmack Elementary School (Pre-K, rated 4/10), River Bend Middle School (rated 6/10).
  • Does 20644 Cutwater Pl have air conditioning?
    Yes, 20644 Cutwater Pl in Sterling, VA has air conditioning.
  • Does 20644 Cutwater Pl have a pool?
    Yes, 20644 Cutwater Pl in Sterling, VA has a pool.
20644 Cutwater Pl, Sterling, VA 20165 is a 4 bedroom, 4 bathroom, 3,170 sqft single-family home built in 1994. This property is currently available for sale and was listed by Bright MLS on Jul 1, 2026. The MLS # for this home is MLS# VALO2129256.