10438 Democracy Ln, Potomac, MD 20854 Property Records

Montgomery County property record for 10438 Democracy Ln, Potomac, MD 20854

Property Summary

Property Type	Townhouse
Details	3.5 ba · 3,449 sqft · built 1972
Lot Size	0.097 acres (4,230 sqft)
Owner	Individual Name on Record
Last Sale	$723,000 (Sep 2010)
Tax Bill	$10,164 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-00908244`

Property Details

APN / Parcel Number

Primary APN	`10-00908244`
Alternative APNs	`1002900908244` `00908244`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,449 sqft Living Area
Gross Area	3,889 sqft
1st Floor Area	1,621 sqft
Basement Area	665 sqft
Finished Basement	665 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Townhouse
Exterior Material	Combination
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	4,230 sqft (0.097 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	00908244
Street Address	10438 DEMOCRACY LN
City	POTOMAC
State	MD
Zip	20854-4036
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	50
Jurisdiction	MONTGOMERY MD
Township / Civil Division	10
Census Block Group	2
Census Block	2005
Census Tract	706010

Owner

Source: Montgomery County records, as of August 17, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	10438 DEMOCRACY LN, POTOMAC, MD 20854-4036
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Oct 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2010 · Amount on Record
Deed Sale	Sep 8, 2010 · Amount on Record
Prior Sale	Feb 3, 1994 · Amount on Record
Deed Document Number	2010167690
Transfer Doc	0000194115
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	10438 DEMOCRACY LN, POTOMAC, MD 20854-4036
Transaction Type	Mortgage
Record Updated	Apr 16, 2021
Title Company	CERTIFIED TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0619590146
Date	Feb 22, 2021
Book Page	61959/146

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2036

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	10438 DEMOCRACY LN, POTOMAC, MD 20854-4036
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	CERTIFIED TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0583620242
Date	Oct 23, 2019
Book Page	58362/242

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2034

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		$914,967 (+2.05%)	$951,700 (+6.15%) Land $400,000 Building $551,700
2025	$10,164.00 (+34.84%)	$896,600 (+16.22%) Land $400,000 Building $496,600	$896,600 (-) Land $400,000 Building $496,600
2023		$771,467	$896,600 Land $400,000 Building $496,600
2022	$7,538.00

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
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

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.

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 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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