12006 Saw Mill Ct, Silver Spring, MD 20902 Property Records

Montgomery County property record for 12006 Saw Mill Ct, Silver Spring, MD 20902

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,194 sqft · built 1992
Lot Size	0.066 acres (2,860 sqft)
Owner	2 Individual Names on Record
Last Sale	$470,000 (Jun 2019)
Tax Bill	$6,630 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-02897961`

Property Details

APN / Parcel Number

Primary APN	`13-02897961`
Alternative APN	`02897961`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,194 sqft Living Area
Gross Area	2,593 sqft
1st Floor Area	932 sqft
Basement Area	350 sqft
Finished Basement	350 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,860 sqft (0.066 acres)
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02897961
Street Address	12006 SAW MILL CT
City	SILVER SPRING
State	MD
Zip	20902-1880
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	RT8.0
Legal Description	ARCOLA
Legal Subdivision	MAGRUDERS SUB
Legal Block	1
Legal Lot Number	112
Jurisdiction	MONTGOMERY MD
Township / Civil Division	13
Census Block Group	1
Census Block	1015
Census Tract	703207

Owner

Source: Montgomery County records, as of August 17, 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 Record
Mailing Address	12006 SAW MILL CT, SILVER SPRING, MD 20902-1880
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2022	Deed of Trust, Mortgage · Line of Credit BANK-FUND STAFF FCU
Apr 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK-FUND STAFF FCU
Jun 3, 2019	Deed, Transfer · ARM BANK-FUND STAFF FCU
Jan 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2019 · Amount on Record
Deed Sale	Jun 3, 2019 · Amount on Record
Prior Sale	Dec 24, 2003 · Amount on Record
Deed Book / Page	57654 / 464
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12006 SAW MILL CT, SILVER SPRING, MD 20902-1880
Transaction Type	Mortgage
Record Updated	Sep 23, 2022
Title Company	CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12006 SAW MILL CT, SILVER SPRING, MD 20902-1880

Mortgage

Document Number	0662420412
Date	Sep 12, 2022
Book Page	66242/412

Lender

Name	BANK-FUND STAFF FCU
Type	Credit Union
Address	WASHINGTON, DC 20006

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 31, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12006 SAW MILL CT, SILVER SPRING, MD 20902-1880
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	PEAK SETTLEMENTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12006 SAW MILL CT, SILVER SPRING, MD 20902-1880

Mortgage

Document Number	0623870001
Date	Apr 1, 2021
Book Page	62387/1

Lender

Name	BANK-FUND STAFF FCU
Type	Credit Union
Address	WASHINGTON, DC 20006

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Jun 3, 2019
Property Address	12006 SAW MILL CT, SILVER SPRING, MD 20902-1880
Document Number	0576540464
Book / Page	57654 / 464
Map Reference	MB 159 PL 18033
Instrument Date	May 30, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	PEAK SETTLEMENTS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,875.00
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	12006 SAW MILL CT, SILVER SPRING, MD 20902-1880

Mortgage

Document Number	0057654473
Date	Jun 3, 2019
Instrument	57654/473

Lender

Name	BANK-FUND STAFF FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jun 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	9.75%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12006 SAW MILL CT, SILVER SPRING, MD 20902-1880
Document Number	0556580329
Instrument Date	Jan 16, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12006 SAW MILL CT SILVER SPRING MD 209021880, SILVER SPRING, MD 20902-1880

Mortgage

Document Number	0556580329
Date	Feb 15, 2018
Book Page	055658/000329

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 14, 2038

Tax Assessment & Valuation

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		$540,033 (+3.53%)	$576,900 (+10.6%) Land $150,000 Building $426,900
2025	$6,630.00 (+38.36%)	$521,600 (+9.52%) Land $130,000 Building $391,600	$521,600 (-) Land $130,000 Building $391,600
2023		$476,267	$521,600 Land $130,000 Building $391,600
2022	$4,792.00

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 · 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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2025 · 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

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	None beyond 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 137 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
Starlink Satellite	280 / 30

May also be available: Astound Broadband, T-Mobile.

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