10315 Gary Rd, Potomac, MD 20854 Property Records

Montgomery County property record for 10315 Gary Rd, Potomac, MD 20854

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,562 sqft · built 1963
Lot Size	0.62 acres (27,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$799,900 (Nov 2019)
Tax Bill	$10,542 (2025)
Deeds & Mortgages	May 2023 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-00870265`

Property Details

APN / Parcel Number

Primary APN	`10-00870265`
Alternative APN	`00870265`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,562 sqft Living Area
Gross Area	3,018 sqft
1st Floor Area	1,025 sqft
Basement Area	512 sqft
Finished Basement	512 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Bi-Level
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	27,000 sqft (0.62 acres)
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	192 sqft
Patio Area	264 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	00870265
Street Address	10315 GARY RD
City	POTOMAC
State	MD
Zip	20854-4102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R200
Legal Description	POTOMAC HILLS SEC 1
Legal Subdivision	POTOMAC HILLS
Legal Block	D
Legal Lot Number	17
Jurisdiction	MONTGOMERY MD
Township / Civil Division	10
Census Block Group	3
Census Block	3005
Census Tract	706005

Owner

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	10315 GARY RD, POTOMAC, MD 20854-4102
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 22, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage VELLUM MORTGAGE LLC
Nov 20, 2019	Deed, Transfer · Conventional Mortgage POTOMAC MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2019 · Amount on Record
Deed Sale	Nov 20, 2019 · Amount on Record
Prior Sale	Aug 9, 2004 · Amount on Record
Deed Book / Page	58531 / 432
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	10315 GARY RD, POTOMAC, MD 20854-4102
Transaction Type	Mortgage
Record Updated	Jun 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10315 GARY RD, POTOMAC, MD 20854-4102

Mortgage

Document Number	0670190408
Date	May 22, 2023
Book Page	67019/408

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 9, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	10315 GARY RD, POTOMAC, MD 20854-4102
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	ALLIED TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0623900482
Date	Apr 1, 2021
Book Page	62390/482

Lender

Name	VELLUM MORTGAGE LLC
Type	Mortgage Company
Address	FAIRFAX, VA 22033

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 1, 2051

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Nov 20, 2019
Property Address	10315 GARY RD, POTOMAC, MD 20854-4102
Document Number	0585310432
Book / Page	58531 / 432
Map Reference	MB 30 PL 1866
Instrument Date	Oct 7, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	KVS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,998.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10315 GARY RD, POTOMAC, MD 20854-4102

Mortgage

Document Number	0058531440
Date	Nov 20, 2019
Instrument	58531/440

Lender

Name	POTOMAC MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

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		$970,900 (+5.05%)	$1,064,300 (+15.16%) Land $540,000 Building $524,300
2025	$10,542.00 (+19.93%)	$924,200 (+8.39%) Land $540,000 Building $384,200	$924,200 (-) Land $540,000 Building $384,200
2023		$852,667	$924,200 Land $540,000 Building $384,200
2022	$8,790.00

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

Flood

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 Record 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

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	None beyond ember reach

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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

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