Montgomery County property record for 12 Keystone Dr, Gaithersburg, MD 20878
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,126 sqft · built 1974 |
| Lot Size | 0.213 acres (9,281 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $632,000 (Jun 2022) |
| Tax Bill | $6,923 (2025) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Jun 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-01521440 |
| Primary APN | 09-01521440 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,126 sqft Living Area |
| 1st Floor Area | 1,498 sqft |
| Basement Area | 700 sqft |
| Finished Basement | 700 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Bi-Level |
| Exterior Material | Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 9,281 sqft (0.213 acres) |
| Porch | Open Porch |
| Porch Area | 270 sqft |
| Deck Area | 210 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 01521440 |
|---|---|
| Street Address | 12 KEYSTONE DR |
| City | GAITHERSBURG |
| State | MD |
| Zip | 20878-1879 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R90 |
| Legal Description | WEST RIDING |
| Legal Subdivision | WEST RIDING |
| Legal Block | C |
| Legal Lot Number | 49 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 9 |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 700823 |
12 Keystone Dr 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 | 12 KEYSTONE DR, GAITHERSBURG, MD 20878-1879 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Apr 20, 2022 | Deed, Transfer · Conventional Mortgage MORTGAGE ACCESS CORP |
| Jun 2, 2022 | Re-recorded Document CLASSIC SETTLEMENTS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 2, 2022 · Amount on File |
| Deed Sale | Jun 2, 2022 · Amount on File |
| Prior Sale | Apr 20, 2022 · Amount on File |
| Deed Book / Page | 65845 / 364 |
| Prior Transfer Date | Apr 18, 2022 |
| Prior Transfer Doc | 0658450364 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Apr 20, 2022 |
| Property Address | 12 KEYSTONE DR, GAITHERSBURG, MD 20878-1879 |
| Document Number | 0656230023 |
| Book / Page | 65623 / 23 |
| Map Reference | MB 96 PL 10693 |
| Instrument Date | Apr 18, 2022 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | CLASSIC SETTLEMENTS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,900.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 12 KEYSTONE DR, GAITHERSBURG, MD 20878-1879 |
| Document Number | 0006562329 |
|---|---|
| Date | Apr 20, 2022 |
| Instrument | 65623/29 |
| Name | MORTGAGE ACCESS CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Jun 2, 2022 |
| Property Address | 12 KEYSTONE DR, GAITHERSBURG, MD 20878-1879 |
| Document Number | 0658450364 |
| Book / Page | 65845 / 364 |
| Map Reference | MB 96 PL 10693 |
| Instrument Date | Apr 18, 2022 |
| Record Updated | Jun 16, 2022 |
| Title Company | CLASSIC SETTLEMENTS INC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 12 KEYSTONE DR, GAITHERSBURG, MD 20878-1879 |
The 2025 property tax bill for 12 Keystone Dr was $6,923.
Source: Montgomery County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Montgomery County |
| Municipality | Gaithersburg City |
| Unified School District | Montgomery County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $594,600 (+7.56%) Land $215,500 Building $379,100 | $594,600 (-) Land $215,500 Building $379,100 | |
| 2025 | $6,923.00 | $552,833 | $594,600 Land $215,500 Building $379,100 |
| 2023 | $469,300 Land $215,500 Building $253,800 | $469,300 Land $215,500 Building $253,800 | |
| 2022 | $5,529.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Keystone Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.
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 | 4 in force |
| Nearby Flood Claims | 1 (1979) |
| Most Recent Claim | Oct 1979 · tidal / storm surge |
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 12 Keystone 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 95% of the US · lower than 90% 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.
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 434 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 |
| Astound Broadband Cable | 1,500 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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