10209 Gary Rd, Potomac, MD 20854 Property Records

Montgomery County property record for 10209 Gary Rd, Potomac, MD 20854

Property Summary

Property Type	Single Family Home
Details	5.5 ba · 6,852 sqft · built 2018
Lot Size	0.62 acres (27,000 sqft)
Owner	Individual Name on File
Last Sale	$750,000 (Mar 2011)
Tax Bill	$22,771 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Jun 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-00870482`

Property Details

APN / Parcel Number

Primary APN	`10-00870482`
Alternative APN	`00870482`

Interior

Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	6,852 sqft Living Area
Gross Area	7,492 sqft
1st Floor Area	3,506 sqft
Basement Area	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Bi-Level
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	27,000 sqft (0.62 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	98 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00870482
Street Address	10209 GARY RD
City	POTOMAC
State	MD
Zip	20854-4108
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R200
Legal Description	SEC 1 POTOMAC HILLS
Legal Subdivision	POTOMAC HILLS
Legal Block	D
Legal Lot Number	11
Jurisdiction	MONTGOMERY MD
Township / Civil Division	10
Census Block Group	3
Census Block	3005
Census Tract	706005

Owner

10209 Gary Rd is owned and occupied by an individual who bought it in March 2011.

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

Owner of Record	Individual Name on File
Mailing Address	10209 GARY RD, POTOMAC, MD 20854-4108
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Deed of Trust, Mortgage · Line of Credit ATLANTIC UNION BANK
Jun 30, 2017	Deed of Trust, Mortgage · ARM THE COLUMBIA BANK
Mar 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL AREA REALTORS FCU
Aug 25, 2018	Loan Modification, Mortgage COLUMBIA BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2011 · Amount on File
Deed Sale	Mar 4, 2011 · Amount on File
Prior Sale	Mar 4, 2011 · Amount on File
Deed Book / Page	41233 / 192
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	10209 GARY RD, POTOMAC, MD 20854-4108
Transaction Type	Mortgage
Record Updated	Feb 4, 2026
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10209 GARY RD, POTOMAC, MD 20854-4108

Mortgage

Document Number	0700550395
Date	Jan 20, 2026
Book Page	70055/395

Lender

Name	ATLANTIC UNION BANK
Type	Bank
Address	POTOMAC, MD 20854

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 20, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	10209 GARY RD, POTOMAC, MD 20854-4108
Transaction Type	Mortgage
Record Updated	Jul 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0545360335
Date	Jun 30, 2017
Book Page	54536/335

Lender

Name	THE COLUMBIA BANK
Type	Bank
Address	COLUMBIA, MD 21046

Agreement

Type	ARM
Amount	Amount on Record
Term	378 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Sep 1, 2028
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	9%
Index	1-Year LIBOR
Margin	3
Max Rate	9%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	10209 GARY RD, POTOMAC, MD 20854-4108
Transaction Type	Mortgage
Record Updated	Jul 14, 2022
Title Company	FIRST TITLE COMPANY, FIRST TITLE & ESCROW INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10209 GARY RD, POTOMAC, MD 20854-4108

Mortgage

Document Number	0620830001
Date	Mar 5, 2021
Book Page	62083/1

Lender

Name	CAPITAL AREA REALTORS FCU
Type	Credit Union
Address	ROCKVILLE, MD 20852

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2051

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONTGOMERY MD
Property Address	10209 GARY RD, POTOMAC, MD 20854-4108
Document Number	0566930188
Instrument Date	Aug 25, 2018
Transaction Type	Mortgage
Record Updated	Oct 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10209 GARY RD POTOMAC MD 208544108, POTOMAC, MD 20854-4108

Mortgage

Document Number	0566930188
Date	Oct 3, 2018
Book Page	056693/000188

Lender

Name	COLUMBIA BK
Type	Bank
Address	VIRGINIA BEACH, VA 23462

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 2, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 10209 Gary Rd was $22,771.

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

Property Jurisdictions

Type	Name
State	Maryland
County	Montgomery County
Unified School District	Montgomery County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,948,100 (+4.27%)	$2,107,500 (+12.8%) Land $568,500 Building $1,539,000
2025	$22,771.00	$1,868,400 Land $568,500 Building $1,299,900	$1,868,400 Land $568,500 Building $1,299,900
2023		$1,868,400 Land $568,500 Building $1,299,900	$1,868,400 Land $568,500 Building $1,299,900
2022	$22,418.00

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

Flood

FEMA maps place 10209 Gary Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	5 (1979–2025)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Jul 2025 · rainfall accumulation

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

Wildfire risk around 10209 Gary Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 System	WASHINGTON SUBURBAN SANITARY COMMISSION serves 1,900,000 people · EPA ID MD0150005
Water Source	Surface water
Last State Inspection	May 2025
Lead	Under 1 ppb (2018–2020) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 155 locations within half a mile, as of December 31, 2025

Provider	Max 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

May also be available: AT&T.

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