12010 Bernard Dr, Silver Spring, MD 20902 Property Records

Montgomery County property record for 12010 Bernard Dr, Silver Spring, MD 20902

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,520 sqft · built 1988
Lot Size	0.126 acres (5,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Jul 2015)
Tax Bill	$6,843 (2025)
Deeds & Mortgages	Aug 2023 Second Mortgage May 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`13-01092697`

Property Details

APN / Parcel Number

Primary APN	`13-01092697`
Alternative APN	`01092697`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,520 sqft Living Area
Gross Area	3,180 sqft
1st Floor Area	1,440 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Bi-Level
Exterior Material	Combination
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	5,500 sqft (0.126 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	340 sqft
Deck Area	56 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	01092697
Street Address	12010 BERNARD DR
City	SILVER SPRING
State	MD
Zip	20902-1877
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R90
Legal Description	ARCOLA
Legal Subdivision	MAGRUDERS SUB
Legal Block	1C
Legal Lot Number	5
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	12010 BERNARD DR, SILVER SPRING, MD 20902-1877
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SKYPOINT FEDERAL CREDIT UNION
May 4, 2021	Deed of Trust, Mortgage · Line of Credit SKYPOINT FEDERAL CREDIT UNION
Apr 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Jan 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage LOANWISE FINANCIAL LLC
Mar 14, 2018	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Feb 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANLOCK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2015 · Amount on Record
Deed Sale	Jul 29, 2015 · Amount on Record
Prior Sale	Nov 22, 1988 · Amount on Record
Deed Book / Page	50731 / 102
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12010 BERNARD DR, SILVER SPRING, MD 20902-1877
Transaction Type	Mortgage
Record Updated	Aug 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0672570422
Date	Aug 8, 2023
Book Page	67257/422

Lender

Name	SKYPOINT FEDERAL CREDIT UNION
Type	Credit Union
Address	GERMANTOWN, MD 20874

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 8, 2038

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12010 BERNARD DR, SILVER SPRING, MD 20902-1877
Transaction Type	Mortgage
Record Updated	Jun 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0628730098
Date	May 4, 2021
Book Page	62873/98

Lender

Name	SKYPOINT FEDERAL CREDIT UNION
Type	Credit Union
Address	GERMANTOWN, MD 20874

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 3, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12010 BERNARD DR, SILVER SPRING, MD 20902-1877
Transaction Type	Mortgage
Record Updated	May 31, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12010 BERNARD DR, SILVER SPRING, MD 20902-1877

Mortgage

Document Number	0623930193
Date	Apr 2, 2021
Book Page	62393/193

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	407 Months
Due	Mar 1, 2055

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12010 BERNARD DR, SILVER SPRING, MD 20902-1877
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LENDERS TITLE SOLUTIONS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0535370164
Date	Jan 9, 2017
Book Page	53537/164

Lender

Name	LOANWISE FINANCIAL LLC
Type	Mortgage Company
Address	MAITLAND, FL 32751

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2046

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12010 BERNARD DR, SILVER SPRING, MD 20902-1877
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0557620176
Date	Mar 14, 2018
Book Page	55762/176

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	178 Months
Due	Jan 10, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12010 BERNARD DR, SILVER SPRING, MD 20902-1877
Document Number	0591720179
Instrument Date	Feb 19, 2020
Transaction Type	Mortgage
Record Updated	Apr 10, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12010 BERNARD DR SILVER SPRING MD 209021877, SILVER SPRING, MD 20902-1877

Mortgage

Document Number	0591720179
Date	Mar 5, 2020
Book Page	059172/000179

Lender

Name	LOANLOCK
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 4, 2050

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		$608,333 (+4.26%)	$658,000 (+12.77%) Land $176,900 Building $481,100
2025	$6,843.00 (+29.38%)	$583,500 (+13%) Land $176,900 Building $406,600	$583,500 (-) Land $176,900 Building $406,600
2023		$516,367	$583,500 Land $176,900 Building $406,600
2022	$5,289.00

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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