Montgomery County property record for 10725 River Rd, Potomac, MD 20854
| Property Type | Single Family Home |
|---|---|
| Details | 5.5 ba · 6,754 sqft · built 1977 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,707,000 (Jun 2022) |
| Tax Bill | $19,105 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Mar 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-01639191 |
| Primary APN | 10-01639191 |
|---|---|
| Alternative APN |
|
| Full Baths | 5.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 6,754 sqft Living Area |
| Gross Area | 7,282 sqft |
| 1st Floor Area | 3,066 sqft |
| Attic | Attic |
| Attic Area | 600 sqft |
| Basement Area | 1,229 sqft |
| Finished Basement | 1,229 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Wood Shingle |
| Lot Area | 87,120 sqft |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Area | 720 sqft |
| Deck Area | 299 sqft |
| Tennis Court | Tennis Court |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 01639191 |
|---|---|
| Street Address | 10725 RIVER RD |
| City | POTOMAC |
| State | MD |
| Zip | 20854-4118 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RE2 |
| Legal Description | RIVER OAKS FARM |
| Legal Subdivision | RIVER OAKS FARM |
| Legal Block | B |
| Legal Lot Number | 1 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 10 |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 706007 |
10725 River Rd is owned and occupied by two individuals who bought it in June 2022.
Source: Montgomery County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10725 RIVER RD, POTOMAC, MD 20854-4118 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 23, 2022 | Special Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Mar 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage EAGLE BANK |
| Feb 28, 2017 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| Dec 9, 2019 | Deed of Trust, Mortgage · Conventional Mortgage EAGLE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 23, 2022 · Amount on File |
| Deed Sale | Jun 23, 2022 · Amount on File |
| Prior Sale | Mar 23, 2007 · Amount on File |
| Deed Book / Page | 65930 / 156 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Jun 23, 2022 |
| Property Address | 10725 RIVER RD, POTOMAC, MD 20854-4118 |
| Document Number | 0659300156 |
| Book / Page | 65930 / 156 |
| Map Reference | MB 97 PL 10742 |
| Instrument Date | Jun 15, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2022 |
| Title Company | CAPITOL TITLE GROUP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $25,605.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10725 RIVER RD, POTOMAC, MD 20854-4118 |
| Document Number | 0065930166 |
|---|---|
| Date | Jun 23, 2022 |
| Instrument | 65930/166 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 10725 RIVER RD, POTOMAC, MD 20854-4118 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Title Company | PINNACLE TITLE AGENCY, PINNACLE T&E INC |
| Name | Verified Name |
|---|---|
| Address | 10725 RIVER RD, POTOMAC, MD 20854-4118 |
| Document Number | 0621430085 |
|---|---|
| Date | Mar 10, 2021 |
| Book Page | 62143/85 |
| Name | EAGLE BANK |
|---|---|
| Type | Bank |
| Address | ROCKVILLE, MD 20852 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 10725 RIVER RD, POTOMAC, MD 20854-4118 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2021 |
| Title Company | SERVICELINK LLC |
| Name | Verified Name |
|---|
| Document Number | 0538960305 |
|---|---|
| Date | Feb 28, 2017 |
| Book Page | 53896/305 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Jan 7, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 10725 RIVER RD, POTOMAC, MD 20854-4118 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2021 |
| Title Company | PINNACLE T&E INC |
| Name | Verified Name |
|---|
| Document Number | 0586450366 |
|---|---|
| Date | Dec 9, 2019 |
| Book Page | 58645/366 |
| Name | EAGLE BANK |
|---|---|
| Type | Bank |
| Address | ROCKVILLE, MD 20852 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Dec 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.25% |
| Index | 1-Year LIBOR |
| Max Rate | 8.25% |
The 2025 property tax bill for 10725 River Rd was $19,105.
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 | $1,765,933 (+7.18%) | $2,002,400 (+21.53%) Land $572,000 Building $1,430,400 | |
| 2025 | $19,105.00 | $1,647,700 Land $572,000 Building $1,075,700 | $1,647,700 Land $572,000 Building $1,075,700 |
| 2023 | $1,540,633 | $1,647,700 Land $572,000 Building $1,075,700 | |
| 2022 | $16,364.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10725 River Rd 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 | 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.
Wildfire risk around 10725 River Rd is low, with 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 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 72 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 1,200 / 35 |
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