Montgomery County property record for 10220 Millstream Dr, Gaithersburg, MD 20886
| Property Type | Townhouse |
|---|---|
| Details | 3 ba · 1,450 sqft · built 1978 |
| Lot Size | 0.046 acres (2,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $185,000 (Sep 2015) |
| Tax Bill | $3,970 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Sep 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-01756546 |
| Primary APN | 09-01756546 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 1,450 sqft Living Area |
| 1st Floor Area | 540 sqft |
| Basement Area | 390 sqft |
| Finished Basement | 390 sqft |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,000 sqft (0.046 acres) |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 01756546 |
|---|---|
| Street Address | 10220 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 | 10 |
| 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 | 10220 MILLSTREAM DR, GAITHERSBURG, MD 20886-1054 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 1, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Sep 21, 2018 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 23, 2015 · Amount on Record |
| Deed Sale | Sep 23, 2015 · Amount on Record |
| Prior Sale | Sep 23, 2015 · Amount on Record |
| Deed Book / Page | 51003 / 378 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 10220 MILLSTREAM DR, GAITHERSBURG, MD 20886-1054 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|---|
| Address | 10220 MILLSTREAM DR, GAITHERSBURG, MD 20886-1054 |
| Document Number | 0620350144 |
|---|---|
| Date | Mar 1, 2021 |
| Book Page | 62035/144 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 293 Months |
| Due | Aug 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 10220 MILLSTREAM DR, GAITHERSBURG, MD 20886-1054 |
| Document Number | 0568840107 |
| Instrument Date | Sep 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2018 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 8215 SHADY SPRING DR GAITHERSBURG MD 208771025, GAITHERSBURG, MD 20877-1025 |
| Document Number | 0568840107 |
|---|---|
| Date | Nov 16, 2018 |
| Book Page | 056884/000107 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Nov 15, 2058 |
| Rate Type | Adjustable Rate |
|---|
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 | $328,600 (+7.05%) Land $120,000 Building $208,600 | $328,600 (-) Land $120,000 Building $208,600 | |
| 2025 | $3,970.00 (+62.51%) | $306,967 (+16.41%) | $328,600 (+24.61%) Land $120,000 Building $208,600 |
| 2023 | $263,700 Land $120,000 Building $143,700 | $263,700 Land $120,000 Building $143,700 | |
| 2022 | $2,443.00 |
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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