11040 River Rd, Potomac, MD 20854 Property Records

Montgomery County property record for 11040 River Rd, Potomac, MD 20854 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	5 ba · 5,168 sqft · built 1953
Lot Size	3.33 acres (145,055 sqft)
Owner	2 Individual Names on File
Last Sale	$1,150,000 (Sep 2020)
Tax Bill	$16,533 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-00859085`

Property Details

APN / Parcel Number

Primary APN	`10-00859085`
Alternative APN	`00859085`

Interior

Full Baths	5 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	5,168 sqft Living Area
Gross Area	5,697 sqft
1st Floor Area	3,568 sqft
Basement Area	1,600 sqft
Finished Basement	1,600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Townhouse
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	145,055 sqft
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	134 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00859085
Street Address	11040 RIVER RD
City	POTOMAC
State	MD
Zip	20854-1529
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MORTON & FISHER
Legal Subdivision	KNOLLWOOD
Legal Block	3
Legal Lot Number	1
Jurisdiction	MONTGOMERY MD
Township / Civil Division	10
Census Block Group	3
Census Block	3000
Census Tract	706008

Owner

Source: Montgomery County records · APN 10-00859085

Assessment roll updated August 17, 2026 · Last verified August 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 File
Mailing Address	11040 RIVER RD, POTOMAC, MD 20854-1529
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2023	Deed of Trust, Mortgage · Line of Credit UNITED NATIONAL MORTGAGE CO
Apr 24, 2020	Special Warranty Deed, Transfer · Conventional Mortgage UNITED NATIONS FCU
Sep 30, 2020	Grant Deed HOUSEHOLD TITLE AND ESCROW LLC, HOUSEHOLD TITLE & ESCROW LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 30, 2020 · Amount on Record
Deed Sale	Sep 30, 2020 · Amount on Record
Prior Sale	Apr 24, 2020 · Amount on Record
Deed Book / Page	60624 / 395
Prior Transfer Date	Mar 31, 2020
Prior Transfer Doc	0606240395
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	11040 RIVER RD, POTOMAC, MD 20854-1529
Transaction Type	Mortgage
Record Updated	Sep 15, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0673300359
Date	Aug 31, 2023
Book Page	67330/359

Lender

Name	UNITED NATIONAL MORTGAGE CO
Type	Mortgage Company
Address	LONG ISLAND CITY, NY 11101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jul 27, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Apr 24, 2020
Property Address	11040 RIVER RD, POTOMAC, MD 20854-1529
Document Number	0594260001
Book / Page	59426 / 1
Map Reference	MB 49 PL 3766
Instrument Date	Mar 31, 2020
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	HOUSEHOLD T&E L L C

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$17,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11040 RIVER RD, POTOMAC, MD 20854-1529

Mortgage

Document Number	594269
Date	Apr 24, 2020
Instrument	59426/9

Lender

Name	UNITED NATIONS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.99%
Type Change Date	Apr 01, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.99%
Index	1-Year CMT
Max Rate	7.99%

September 2020: Grant Deed

Document Type	Grant Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Sep 30, 2020
Property Address	11040 RIVER RD, POTOMAC, MD 20854-1529
Document Number	0606240395
Book / Page	060624 / 000395
Instrument Date	Mar 31, 2020
Record Updated	Nov 24, 2020
Title Company	HOUSEHOLD TITLE AND ESCROW LLC, HOUSEHOLD TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Tax	$1,550.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11040 RIVER RD POTOMAC MD 208541529, POTOMAC, MD 20854-1529

Tax Assessment & Valuation

Source: Montgomery County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Montgomery County
Unified School District	Montgomery County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,599,467 (+12.3%)	$1,949,800 (+36.9%) Land $836,800 Building $1,113,000
2025	$16,533.00 (-0.2%)	$1,424,300 (+7.2%) Land $836,800 Building $587,500	$1,424,300 (-) Land $836,800 Building $587,500
2024	$16,566.00 (+14.49%)
2023		$1,328,700	$1,424,300 Land $836,800 Building $587,500
2022	$14,469.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Montgomery County (24031C), updated April 12, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240317060083, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 14 individual NFIP policies nearby
Nearby Flood Policies	14 in force
Nearby Flood Claims	4 (1984–2014)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Jun 2014, other causes

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 72 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fiber	2,300 / 2,300
Xfinity	Cable	1,200 / 35

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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