Montgomery County property record for 1028 Mutual Pl, Sandy Spring, MD 20860
| Property Type | Townhouse |
|---|---|
| Details | 3 ba · 2,965 sqft · built 2019 |
| Lot Size | 0.053 acres (2,328 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $665,000 (Oct 2021) |
| Tax Bill | $9,078 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Oct 2021 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-03794522 |
| Primary APN | 08-03794522 |
|---|---|
| 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 | 2,328 sqft (0.053 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 | 03794522 |
|---|---|
| Street Address | 1028 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 | 16 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 8 |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 701316 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1028 MUTUAL PL, SANDY SPRING, MD 20860-1342 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 2, 2020 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 14, 2021 | Special Warranty Deed, Transfer · Conventional Mortgage FULTON BANK NA |
| Oct 26, 2019 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC |
| Oct 11, 2018 | Deed, Transfer · VA Mortgage NVR MORTGAGE FINANCE INC |
| May 24, 2018 | Grant Deed, Transfer NVR SETTLEMENT SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 14, 2021 · Amount on Record |
| Deed Sale | Oct 14, 2021 · Amount on Record |
| Prior Sale | Oct 11, 2018 · Amount on Record |
| Deed Book / Page | 64279 / 382 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 1028 MUTUAL PL, SANDY SPRING, MD 20860-1342 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1028 MUTUAL PL, SANDY SPRING, MD 20860-1342 |
| Document Number | 0604290370 |
|---|---|
| Date | Sep 2, 2020 |
| Book Page | 60429/370 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 1, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Oct 14, 2021 |
| Property Address | 1028 MUTUAL PL, SANDY SPRING, MD 20860-1342 |
| Document Number | 0642790382 |
| Book / Page | 64279 / 382 |
| Map Reference | PL 25246 |
| Instrument Date | Sep 29, 2021 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,312.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 17700 HIDDEN GARDEN LN, 17700, ASHTON, MD 20861-3650 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1028 MUTUAL PL, SANDY SPRING, MD 20860-1342 |
| Document Number | 64279395 |
|---|---|
| Date | Oct 14, 2021 |
| Instrument | 64279/395 |
| Name | FULTON BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 1028 MUTUAL PL, SANDY SPRING, MD 20860-1342 |
| Document Number | 0585680021 |
| Instrument Date | Oct 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1028 MUTUAL PL SANDY SPRING MD 208601342, SANDY SPRING, MD 20860-1342 |
| Document Number | 0585680021 |
|---|---|
| Date | Nov 25, 2019 |
| Book Page | 058568/000021 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 24, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Oct 11, 2018 |
| Property Address | 1028 MUTUAL PL, SANDY SPRING, MD 20860-1342 |
| Document Number | 0567350179 |
| Book / Page | 56735 / 179 |
| Map Reference | PL25246 |
| Instrument Date | Sep 26, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | NVR SETTLEMENT SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,323.24 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 656 QUINCE ORCHARD RD, 656, GAITHERSBURG, MD 20878-1409 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1028 MUTUAL PL, SANDY SPRING, MD 20860-1342 |
| Document Number | 0056735186 |
|---|---|
| Date | Oct 11, 2018 |
| Instrument | 56735/186 |
| Name | NVR MORTGAGE FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | May 24, 2018 |
| Property Address | 1028 MUTUAL PL, SANDY SPRING, MD 20860-1342 |
| Document Number | 0560740372 |
| Book / Page | 056074 / 000372 |
| Instrument Date | Apr 6, 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 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 | $824,900 (+11.14%) Land $200,000 Building $624,900 | $824,900 (-) Land $200,000 Building $624,900 | |
| 2025 | $9,078.00 (+51.27%) | $742,200 (+28.68%) | $824,900 (+43.01%) Land $200,000 Building $624,900 |
| 2023 | $576,800 Land $100,000 Building $476,800 | $576,800 Land $100,000 Building $476,800 | |
| 2022 | $6,001.00 |
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 | 5 in force |
| Nearby Flood Claims | 2 (1994–2012) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
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 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.
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 127 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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