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10203 Millstream Dr, Gaithersburg (Montgomery Village), MD 20886 Property Records

Montgomery County property record for 10203 Millstream Dr, Gaithersburg, MD 20886

Property Summary

Property TypeTownhouse
Details2.5 ba · 1,450 sqft · built 1978
Lot Size0.046 acres (2,000 sqft)
Owner2 Individual Names on Record
Last Sale$248,900 (Oct 2015)
Tax Bill$3,479 (2025)
Deeds & MortgagesNov 2025 Mortgage
Dec 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN09-01756694

Property Details

APN / Parcel Number

Primary APN09-01756694
Alternative APN
  • 01756694

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,450 sqft Living Area
1st Floor Area540 sqft
Basement Area390 sqft
Finished Basement390 sqft

Exterior

Year BuiltBuilt 1978
Effective Year BuiltEffective 1978
Architectural StyleTownhouse
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area2,000 sqft (0.046 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
SewerMunicipal

Location & Zoning

Account Number01756694
Street Address10203 MILLSTREAM DR
CityGAITHERSBURG
StateMD
Zip20886-1053
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodeR90
Legal DescriptionWATKINS MILL
Legal SubdivisionWATKINS MILL
Legal Block3
Legal Lot Number25
JurisdictionMONTGOMERY MD
Township / Civil Division9
Census Block Group3
Census Block3006
Census Tract700810

Owner

Source: Montgomery County records, as of August 17, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address10203 MILLSTREAM DR, GAITHERSBURG, MD 20886-1053
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Nov 5, 2025Deed of Trust, Mortgage · FHA Mortgage
DEPARTMENT OF HOUSING & URBAN DEV
Dec 9, 2021Deed of Trust, Mortgage · FHA Mortgage
RUSHMORE LOAN MANAGEMENT SERVICES LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 23, 2015 · Amount on Record
Deed SaleOct 23, 2015 · Amount on Record
Prior SaleSep 11, 2012 · Amount on Record
Deed Book / Page51155 / 279
Record UpdatedSep 20, 2026

November 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTGOMERY MD
Property Address10203 MILLSTREAM DR, GAITHERSBURG, MD 20886-1053
Transaction TypeMortgage
Record UpdatedNov 20, 2025
Title CompanyCOVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address10203 MILLSTREAM DR, GAITHERSBURG, MD 20886-1053

Mortgage

Document Number0697960134
DateNov 5, 2025
Book Page69796/134
Lender
NameDEPARTMENT OF HOUSING & URBAN DEV
TypeGovernment Agency
AddressWASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term312 Months
DueNov 1, 2051

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTGOMERY MD
Property Address10203 MILLSTREAM DR, GAITHERSBURG, MD 20886-1053
Transaction TypeMortgage
Record UpdatedDec 22, 2021
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address10203 MILLSTREAM DR, GAITHERSBURG, MD 20886-1053

Mortgage

Document Number0647830475
DateDec 9, 2021
Book Page64783/475
Lender
NameRUSHMORE LOAN MANAGEMENT SERVICES LLC
TypeLending Institution
AddressDALLAS, TX 75234
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term359 Months
DueNov 1, 2051

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of August 17, 2026

Property Jurisdictions

TypeName
StateMaryland
CountyMontgomery County
Unified School DistrictMontgomery County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$348,200 (+7.33%) Land $120,000 Building $228,200$348,200 (-) Land $120,000 Building $228,200
2025$3,479.00 (+34.64%)$324,433 (+17.17%)$348,200 (+25.75%) Land $120,000 Building $228,200
2023$276,900 Land $120,000 Building $156,900$276,900 Land $120,000 Building $156,900
2022$2,584.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies7 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 96% of the US · lower than 92% of Maryland
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemWASHINGTON SUBURBAN SANITARY COMMISSION
serves 1,900,000 people · EPA ID MD0150005
Water SourceSurface water
Last State InspectionMay 2025
LeadUnder 1 ppb (2018–2020)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 166 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Verizon
Fiber · Fixed Wireless in parts of the area		2,300 / 2,300
Xfinity
Cable		2,000 / 2,000
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

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