10939 Deborah Dr, Potomac, MD 20854 Property Records

Montgomery County property record for 10939 Deborah Dr, Potomac, MD 20854

Property Summary

Property Type	Townhouse
Details	3.5 ba · 1,904 sqft · built 1972
Lot Size	0.058 acres (2,512 sqft)
Owner	2 Individual Names on File
Last Sale	$790,000 (Feb 2025)
Tax Bill	$6,868 (2025)
Deeds & Mortgages	Apr 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-00905013`

Property Details

APN / Parcel Number

Primary APN	`10-00905013`
Alternative APN	`00905013`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,904 sqft Living Area
Gross Area	1,976 sqft
1st Floor Area	722 sqft
Basement Area	500 sqft
Finished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Townhouse
Exterior Material	Brick
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	2,512 sqft (0.058 acres)
Deck Area	160 sqft
Balcony Area	56 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	00905013
Street Address	10939 DEBORAH DR
City	POTOMAC
State	MD
Zip	20854-2718
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R90
Legal Description	INVERNESS FOREST TWN HS
Legal Subdivision	INVERNESS FOREST TWNHS
Legal Block	K
Legal Lot Number	18
Jurisdiction	MONTGOMERY MD
Township / Civil Division	10
Census Block Group	1
Census Block	1001
Census Tract	706010

Owner

10939 Deborah Dr, a townhouse, is owned and occupied by two individuals who bought it in February 2025.

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	2 Individual Names on File
Mailing Address	10939 DEBORAH DR, POTOMAC, MD 20854-2718
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2025 · Amount on File
Deed Sale	Feb 25, 2025 · Amount on File
Prior Sale	Oct 13, 2016 · Amount on File
Deed Book / Page	68901 / 7
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Recording Date	Apr 2, 2026
Property Address	10939 DEBORAH DR, POTOMAC, MD 20854-2718
Document Number	7031000054
Book / Page	70315 / 54
Instrument Date	Mar 26, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10939 DEBORAH DR, POTOMAC, MD 20854-2718

Mortgage

Document Number	7031000054,
Date	Apr 2, 2026
Book Page	70315/54

Lender

Name	CITIZENS BANK INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 10939 Deborah Dr was $6,868, down 4.6% from the year before.

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		$667,167 (+10.28%)	$791,500 (+30.83%) Land $300,000 Building $491,500
2025	$6,868.00 (-4.6%)	$605,000 Land $300,000 Building $305,000	$605,000 Land $300,000 Building $305,000
2024	$7,199.00
2023		$556,200	$605,000 Land $300,000 Building $305,000
2022	$5,631.00

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

Flood

FEMA maps place 10939 Deborah Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2014.

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	3 in force
Nearby Flood Claims	2 (2014–2019)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2019 · 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

Wildfire risk around 10939 Deborah Dr 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 96% of the US · lower than 92% of Maryland
Wildfire Likelihood	Under 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.

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

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20