Montgomery County property record for 1026 Mutual Pl, Sandy Spring, MD 20860
| Property Type | Townhouse |
|---|---|
| Details | 3 ba · 2,965 sqft · built 2019 |
| Lot Size | 0.046 acres (1,995 sqft) |
| Owner | Individual Name on File |
| Last Sale | $297,400 (Feb 2025) |
| Tax Bill | $7,232 (2025) |
| Deeds & Mortgages | Feb 2023 Transfer Jul 2019 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-03794511 |
| Primary APN | 08-03794511 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,965 sqft Living Area |
| Gross Area | 3,493 sqft |
| 1st Floor Area | 1,200 sqft |
| Basement Area | 565 sqft |
| Finished Basement | 565 sqft |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 1,995 sqft (0.046 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 176 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 03794511 |
|---|---|
| Street Address | 1026 MUTUAL PL |
| City | SANDY SPRING |
| State | MD |
| Zip | 20860-1342 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | CRN07 |
| Legal Description | EARNSHAW |
| Legal Subdivision | CHARLEY FOREST |
| Legal Block | A |
| Legal Lot Number | 15 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 8 |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 701316 |
Source: Montgomery County records · APN 08-03794511
Assessment roll updated August 17, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 1026 MUTUAL PL, SANDY SPRING, MD 20860-1342 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Feb 03, 2023 | Intrafamily Transfer, Transfer |
| Jul 03, 2019 | Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU OF MARYLAND INC |
| Jul 06, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE |
| Oct 18, 2018 | Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC |
| May 24, 2018 | Grant Deed, Transfer NVR SETTLEMENT SERVICES INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 28, 2025 · Amount on Record |
| Deed Sale | Feb 28, 2025 · Amount on Record |
| Prior Sale | Oct 18, 2018 · Amount on Record |
| Deed Book / Page | 68915 / 1 |
| Prior Transfer Date | Jan 30, 2023 |
| Prior Transfer Doc | 0667130123 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Feb 03, 2023 |
| Property Address | 1026 MUTUAL PL, SANDY SPRING, MD 20860-1342 |
| Document Number | 0667130123 |
| Book / Page | 66713 / 123 |
| Map Reference | PL 25246 |
| Instrument Date | Jan 30, 2023 |
| Transaction Type | Transfer |
| Record Updated | Feb 16, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1026 MUTUAL PL, SANDY SPRING, MD 20860-1342 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 1026 MUTUAL PL, SANDY SPRING, MD 20860-1342 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 1026 MUTUAL PL, SANDY SPRING, MD 20860-1342 |
| Transaction Type | Mortgage |
| Record Updated | May 03, 2022 |
| Title Company | FIRST EXCEL TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0578170409 |
|---|---|
| Date | Jul 03, 2019 |
| Book Page | 57817/409 |
| Name | STATE EMPLOYEES CU OF MARYLAND INC |
|---|---|
| Type | Credit Union |
| Address | LINTHICUM HEIGHTS, MD 21090 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Type Change Date | Jul 01, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 8.5% |
| Index | 1-Year CMT |
| Max Rate | 8.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 1026 MUTUAL PL, SANDY SPRING, MD 20860-1342 |
| Transaction Type | Mortgage |
| Record Updated | May 03, 2022 |
| Title Company | FIRST EXCEL TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0599780259 |
|---|---|
| Date | Jul 06, 2020 |
| Book Page | 59978/259 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23451 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Oct 18, 2018 |
| Property Address | 1026 MUTUAL PL, SANDY SPRING, MD 20860-1342 |
| Document Number | 0567670188 |
| Book / Page | 56767 / 188 |
| Map Reference | PL25246 |
| Instrument Date | Sep 21, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 03, 2022 |
| Title Company | FIRST EXCEL TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,535.02 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 555 QUINCE ORCHARD RD STE 240, 555, GAITHERSBURG, MD 20878-1437 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1026 MUTUAL PL, SANDY SPRING, MD 20860-1342 |
| Document Number | 0056767196 |
|---|---|
| Date | Oct 18, 2018 |
| Instrument | 56767/196 |
| Name | NVR MORTGAGE FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | May 24, 2018 |
| Property Address | 1026 MUTUAL PL, SANDY SPRING, MD 20860-1342 |
| Document Number | 0560740372 |
| Book / Page | 056074 / 000372 |
| Instrument Date | Apr 06, 2018 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2018 |
| Title Company | NVR SETTLEMENT SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,655.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 656 QUINCE ORCHARD RD #500 GAITHERSBURG MD 208781409, 500, GAITHERSBURG, MD 20878-1409 |
| Investor | Possibly a Property Investor |
Source: Montgomery County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Montgomery County |
| Unified School District | Montgomery County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $689,000 (+7.34%) Land $200,000 Building $489,000 | $689,000 (-) Land $200,000 Building $489,000 | |
| 2025 | $7,232.00 (-0.85%) | $641,900 (+17.2%) | $689,000 (+25.8%) Land $200,000 Building $489,000 |
| 2024 | $7,294.00 (+28.3%) | ||
| 2023 | $547,700 Land $100,000 Building $447,700 | $547,700 Land $100,000 Building $447,700 | |
| 2022 | $5,685.00 |
Source: FEMA National Flood Hazard Layer as of April 12, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 2 (1994–2012) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 127 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WASHINGTON SUBURBAN SANITARY COMMISSION serves 1,900,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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