Montgomery County property record for 10409 Joiners Ln, Potomac, MD 20854
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 5,100 sqft · built 1984 |
| Lot Size | 0.92 acres (40,059 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,185,000 (Apr 2004) |
| Tax Bill | $14,072 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage Mar 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-01916251 |
| Primary APN | 10-01916251 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 5,100 sqft Living Area |
| Gross Area | 5,700 sqft |
| 1st Floor Area | 1,800 sqft |
| Attic | Attic |
| Attic Area | 900 sqft |
| Basement Area | 1,500 sqft |
| Finished Basement | 1,500 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Bi-Level |
| Construction Type | Frame |
| Roof Material | Wood Shingle |
| Lot Area | 40,059 sqft (0.92 acres) |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 441 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 01916251 |
|---|---|
| Street Address | 10409 JOINERS LN |
| City | POTOMAC |
| State | MD |
| Zip | 20854-1941 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RE1 |
| Legal Description | JUSTEMENT WOODS |
| Legal Subdivision | KNOLLWOOD |
| Legal Block | 1 |
| Legal Lot Number | 14 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 10 |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 706007 |
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 | 10409 JOINERS LN, POTOMAC, MD 20854-1941 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Mar 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Mar 4, 2020 | Deed of Trust, Mortgage · Line of Credit CITIBANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2004 · Amount on Record |
| Deed Sale | Apr 30, 2004 · Amount on Record |
| Prior Sale | Apr 30, 2004 · Amount on Record |
| Deed Document Number | 20044131 |
| Transfer Doc | 0000235940 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 10409 JOINERS LN, POTOMAC, MD 20854-1941 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | BOSTON NATL TTL AGCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0591620121 |
|---|---|
| Date | Mar 4, 2020 |
| Book Page | 59162/121 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | O FALLON, MO 63368 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Type Change Date | Mar 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 7.87% |
| Index | 1-Year LIBOR |
| Max Rate | 7.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 10409 JOINERS LN, POTOMAC, MD 20854-1941 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | BOSTON NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0591620151 |
|---|---|
| Date | Mar 4, 2020 |
| Book Page | 59162/151 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57108 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $1,293,667 (+5.75%) | $1,434,400 (+17.26%) Land $515,600 Building $918,800 | |
| 2025 | $14,072.00 (+20.32%) | $1,223,300 (+8.81%) Land $515,600 Building $707,700 | $1,223,300 (-) Land $515,600 Building $707,700 |
| 2023 | $1,124,300 | $1,223,300 Land $515,600 Building $707,700 | |
| 2022 | $11,695.00 |
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 | 9 in force |
| Nearby Flood Claims | 1 (2013) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2013 · 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.
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 69 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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