Montgomery County property record for 10214 Millstream Dr, Gaithersburg, MD 20886
| Property Type | Townhouse |
|---|---|
| Details | 1 ba · 1,450 sqft · built 1978 |
| Lot Size | 0.057 acres (2,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $269,900 (Oct 2018) |
| Tax Bill | $3,817 (2025) |
| Deeds & Mortgages | Mar 2017 Line of Credit Jan 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-01756524 |
| Primary APN | 09-01756524 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,450 sqft Living Area |
| 1st Floor Area | 540 sqft |
| Basement Area | 390 sqft |
| Finished Basement | 390 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,500 sqft (0.057 acres) |
| Deck Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 01756524 |
|---|---|
| Street Address | 10214 MILLSTREAM DR |
| City | GAITHERSBURG |
| State | MD |
| Zip | 20886-1054 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R90 |
| Legal Description | WATKINS MILL |
| Legal Subdivision | WATKINS MILL |
| Legal Block | 3 |
| Legal Lot Number | 8 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 9 |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 700810 |
Source: Montgomery County records, as of August 17, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 10214 MILLSTREAM DR, GAITHERSBURG, MD 20886-1054 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Mar 28, 2017 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jan 21, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Oct 15, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Oct 21, 2019 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Oct 10, 2018 | Deed, Transfer · FHA Mortgage STEARNS LENDING LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 10, 2018 · Amount on Record |
| Deed Sale | Oct 10, 2018 · Amount on Record |
| Prior Sale | Jun 2, 2010 · Amount on Record |
| Deed Book / Page | 56720 / 204 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 10214 MILLSTREAM DR, GAITHERSBURG, MD 20886-1054 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0540310210 |
|---|---|
| Date | Mar 28, 2017 |
| Book Page | 54031/210 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 10214 MILLSTREAM DR, GAITHERSBURG, MD 20886-1054 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|---|
| Address | 10214 MILLSTREAM DR, GAITHERSBURG, MD 20886-1054 |
| Document Number | 0616630001 |
|---|---|
| Date | Jan 21, 2021 |
| Book Page | 61663/1 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 334 Months |
| Due | Nov 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 10214 MILLSTREAM DR, GAITHERSBURG, MD 20886-1054 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 10214 MILLSTREAM DR, GAITHERSBURG, MD 20886-1054 |
| Document Number | 0643000487 |
|---|---|
| Date | Oct 15, 2021 |
| Book Page | 64300/487 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 326 Months |
| Due | Dec 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 10214 MILLSTREAM DR, GAITHERSBURG, MD 20886-1054 |
| Document Number | 0592620047 |
| Instrument Date | Oct 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 10214 MILLSTREAM DR GAITHERSBURG MD 208861054, GAITHERSBURG, MD 20886-1054 |
| Document Number | 0592620047 |
|---|---|
| Date | Mar 19, 2020 |
| Book Page | 059262/000047 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Mar 18, 2048 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Oct 10, 2018 |
| Property Address | 10214 MILLSTREAM DR, GAITHERSBURG, MD 20886-1054 |
| Document Number | 0567200204 |
| Book / Page | 56720 / 204 |
| Map Reference | MB101 PL11449 |
| Instrument Date | Sep 19, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | RGS TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,373.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 10214 MILLSTREAM DR, GAITHERSBURG, MD 20886-1054 |
| Document Number | 0056720211 |
|---|---|
| Date | Oct 10, 2018 |
| Instrument | 56720/211 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2048 |
Source: Montgomery County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Montgomery County |
| Unified School District | Montgomery County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $311,700 (+6.13%) Land $120,000 Building $191,700 | $311,700 (-) Land $120,000 Building $191,700 | |
| 2025 | $3,817.00 (+63.82%) | $293,700 (+13.97%) | $311,700 (+20.95%) Land $120,000 Building $191,700 |
| 2023 | $257,700 Land $120,000 Building $137,700 | $257,700 Land $120,000 Building $137,700 | |
| 2022 | $2,330.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Policies | 7 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 92% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 166 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 |
| AT&T Fixed Wireless | 100 / 20 |
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