12 Narrowleaf Ct, Gaithersburg, MD 20878 Property Records

Montgomery County property record for 12 Narrowleaf Ct, Gaithersburg, MD 20878

Property Summary

Property Type	Townhouse
Details	3.5 ba · 1,532 sqft · built 1987
Lot Size	0.052 acres (2,250 sqft)
Owner	Individual Name on Record
Last Sale	$430,000 (May 2019)
Tax Bill	$5,951 (2025)
Deeds & Mortgages	Jul 2020 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-02507444`

Property Details

APN / Parcel Number

Primary APN	`09-02507444`
Alternative APN	`02507444`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,532 sqft Living Area
1st Floor Area	766 sqft
Basement Area	1 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,250 sqft (0.052 acres)
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02507444
Street Address	12 NARROWLEAF CT
City	GAITHERSBURG
State	MD
Zip	20878-2637
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R18
Legal Description	AMBERFIELD
Legal Subdivision	AMBERFIELD
Legal Block	1
Legal Lot Number	52
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	1
Census Block	1001
Census Tract	700829

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	12 NARROWLEAF CT, GAITHERSBURG, MD 20878-2637
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY ASSET CORP
May 15, 2019	Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2019 · Amount on Record
Deed Sale	May 15, 2019 · Amount on Record
Prior Sale	May 26, 2006 · Amount on Record
Deed Book / Page	57560 / 43
Transfer Doc	0160630565
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12 NARROWLEAF CT, GAITHERSBURG, MD 20878-2637
Document Number	0601210282
Instrument Date	Jul 9, 2020
Transaction Type	Mortgage
Record Updated	Aug 17, 2020
Title Company	GPN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 NARROWLEAF CT GAITHERSBURG MD 208782637, GAITHERSBURG, MD 20878-2637

Mortgage

Document Number	0601210282
Date	Jul 24, 2020
Book Page	060121/000282

Lender

Name	FAIRWAY ASSET CORP
Address	ROCKVILLE, MD 20855

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2050

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	May 15, 2019
Property Address	12 NARROWLEAF CT, GAITHERSBURG, MD 20878-2637
Document Number	0575600043
Book / Page	57560 / 043
Map Reference	MB 131 PL 15256
Instrument Date	Apr 22, 2019
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	EVERGREEN SETTLEMENT CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,375.00
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 in Severalty
Address	12 NARROWLEAF CT, GAITHERSBURG, MD 20878-2637

Mortgage

Document Number	57560051
Date	May 15, 2019
Instrument	57560/051

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2049

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of August 17, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$519,900 (+6.54%) Land $175,000 Building $344,900	$519,900 (-) Land $175,000 Building $344,900
2025	$5,951.00 (-3.58%)	$488,000 (+15.04%)	$519,900 (+22.56%) Land $175,000 Building $344,900
2024	$6,172.00 (+31.57%)
2023		$424,200 Land $175,000 Building $249,200	$424,200 Land $175,000 Building $249,200
2022	$4,691.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 725 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

May also be available: T-Mobile.

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