Montgomery County property record for 10344 Democracy Ln, Potomac, MD 20854
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 3,062 sqft · built 1971 |
| Lot Size | 0.093 acres (4,050 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $750,000 (Feb 2008) |
| Tax Bill | $10,042 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00908381 |
| Primary APN | 10-00908381 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,062 sqft Living Area |
| Gross Area | 3,502 sqft |
| 1st Floor Area | 1,231 sqft |
| Basement Area | 600 sqft |
| Finished Basement | 600 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Townhouse |
| Exterior Material | Combination |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 4,050 sqft (0.093 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 00908381 |
|---|---|
| Street Address | 10344 DEMOCRACY LN |
| City | POTOMAC |
| State | MD |
| Zip | 20854-4034 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R90 |
| Legal Description | EAST GATE OF POTOMAC |
| Legal Subdivision | EAST GATE OF POTOMAC |
| Legal Block | H |
| Legal Lot Number | 25 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 10 |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 706010 |
10344 Democracy Ln, a townhouse, is owned and occupied by two individuals who bought it in February 2008.
Source: Montgomery County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10344 DEMOCRACY LN, POTOMAC, MD 20854-4034 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 14, 2008 · Amount on File |
| Deed Sale | Feb 14, 2008 · Amount on File |
| Prior Sale | Apr 2, 2003 · Amount on File |
| Deed Document Number | 2008109725 |
| Transfer Doc | 0272160104 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 10344 DEMOCRACY LN, POTOMAC, MD 20854-4034 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2022 |
| Title Company | PEAK SETTLEMENTS LLC |
| Name | Verified Name |
|---|---|
| Address | 10344 DEMOCRACY LN, POTOMAC, MD 20854-4034 |
| Document Number | 0643660203 |
|---|---|
| Date | Oct 25, 2021 |
| Book Page | 64366/203 |
| Name | BANK-FUND STAFF FCU |
|---|---|
| Type | Credit Union |
| Address | WASHINGTON, DC 20006 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
The 2025 property tax bill for 10344 Democracy Ln was $10,042, up 1% from the year before.
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 | $903,900 (+2.02%) | $939,700 (+6.06%) Land $400,000 Building $539,700 | |
| 2025 | $10,042.00 (+1.01%) | $886,000 Land $400,000 Building $486,000 | $886,000 Land $400,000 Building $486,000 |
| 2024 | $9,942.00 | ||
| 2023 | $763,533 | $886,000 Land $400,000 Building $486,000 | |
| 2022 | $7,465.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10344 Democracy Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.
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 |
| Nearby Flood Claims | 1 (2013) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2013 · other causes |
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 risk around 10344 Democracy Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% 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 207 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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