Montgomery County property record for 12027 Saw Mill Ct, Silver Spring, MD 20902
| Property Type | Townhouse |
|---|---|
| Details | 3.5 ba · 2,276 sqft · built 1992 |
| Lot Size | 0.044 acres (1,904 sqft) |
| Owner | Individual Name on File |
| Last Sale | $575,000 (Oct 2025) |
| Tax Bill | $5,977 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Oct 2022 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-02897892 |
| Primary APN | 13-02897892 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,276 sqft Living Area |
| Gross Area | 2,768 sqft |
| 1st Floor Area | 888 sqft |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Townhouse |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 1,904 sqft (0.044 acres) |
| Garage Type | Attached |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Porch Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 02897892 |
|---|---|
| Street Address | 12027 SAW MILL CT |
| City | SILVER SPRING |
| State | MD |
| Zip | 20902-1881 |
| 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 | 105 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 13 |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 703207 |
Source: Montgomery County records · APN 13-02897892
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 | Individual Name on File |
|---|---|
| Mailing Address | 12027 SAW MILL CT, SILVER SPRING, MD 20902-1881 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Oct 15, 2021 | Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC |
| Oct 05, 2022 | Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Oct 27, 2025 | Deed, Transfer · Conventional Mortgage NAVY FCU |
| Jun 29, 2020 | Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC |
| Aug 22, 2019 | Deed of Trust, Mortgage · VA Mortgage MR COOPER |
| Dec 14, 2017 | Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC |
| Jul 17, 2017 | Deed of Trust, Mortgage · VA Mortgage MONSTERLOANS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 27, 2025 · Amount on Record |
| Deed Sale | Oct 27, 2025 · Amount on Record |
| Prior Sale | Oct 28, 2014 · Amount on Record |
| Deed Book / Page | 69752 / 405 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 12027 SAW MILL CT, SILVER SPRING, MD 20902-1881 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Title Company | LENDMARK CLOSING SERVICES LLC, LENDMARK CLOSING SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 0642890001 |
|---|---|
| Date | Oct 15, 2021 |
| Book Page | 64289/1 |
| Name | LOW VA RATES LLC |
|---|---|
| Type | Mortgage Company |
| Address | LINDON, UT 84042 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 355 Months |
| Due | May 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 12027 SAW MILL CT, SILVER SPRING, MD 20902-1881 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Title Company | LENDMARK CLOSING SERVICES LLC, LENDMARK CLOSING SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 0663370438 |
|---|---|
| Date | Oct 05, 2022 |
| Book Page | 66337/438 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Oct 27, 2025 |
| Property Address | 12027 SAW MILL CT, SILVER SPRING, MD 20902-1881 |
| Document Number | 0697520405 |
| Book / Page | 69752 / 405 |
| Map Reference | MB 159 PL 18033 |
| Instrument Date | Oct 22, 2025 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Title Company | COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,437.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 12027 SAW MILL CT, SILVER SPRING, MD 20902-1881 |
| Document Number | 0069752413 |
|---|---|
| Date | Oct 27, 2025 |
| Instrument | 69752/413 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 01, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 12027 SAW MILL CT, SILVER SPRING, MD 20902-1881 |
| Document Number | 0602640106 |
| Instrument Date | Jun 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2020 |
| Title Company | LENDMARK CLOSING SERVICES LLC, LENDMARK CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 12027 SAW MILL CT SILVER SPRING MD 209021881, SILVER SPRING, MD 20902-1881 |
| Document Number | 0602640106 |
|---|---|
| Date | Aug 13, 2020 |
| Book Page | 060264/000106 |
| Name | LOW VA RATES LLC |
|---|---|
| Address | LINDON, UT 84042 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 12, 2050 |
| Rate | 3% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 12027 SAW MILL CT, SILVER SPRING, MD 20902-1881 |
| Document Number | 0584250022 |
| Instrument Date | Aug 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2019 |
| Title Company | ELEVATED NATIONAL SETTLEMENT SERVICES, ELEVATED NAT'L SETTLEMENT SVCS |
| Name | Verified Name |
|---|---|
| Address | 12027 SAW MILL CT SILVER SPRING MD 209021881, SILVER SPRING, MD 20902-1881 |
| Document Number | 0584250022 |
|---|---|
| Date | Nov 05, 2019 |
| Book Page | 058425/000022 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 04, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 12027 SAW MILL CT, SILVER SPRING, MD 20902-1881 |
| Document Number | 0555390432 |
| Book / Page | 055539 / 000432 |
| Instrument Date | Dec 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 06, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 12027 SAW MILL CT SILVER SPRING MD 209021881, SILVER SPRING, MD 20902-1881 |
| Document Number | 0555390432 |
|---|---|
| Date | Jan 26, 2018 |
| Book Page | 055539/000432 |
| Name | LOW VA RATES LLC |
|---|---|
| Address | LINDON, UT 84042 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 25, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.99% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 12027 SAW MILL CT, SILVER SPRING, MD 20902-1881 |
| Document Number | 0548430274 |
| Book / Page | 054843 / 000274 |
| Instrument Date | Jul 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2017 |
| Title Company | VANTAGE POINT TITLE |
| Name | Verified Name |
|---|---|
| Address | 12027 SAW MILL CT SILVER SPRING MD 209021881, SILVER SPRING, MD 20902-1881 |
| Document Number | 0548430274 |
|---|---|
| Date | Sep 11, 2017 |
| Book Page | 054843/000274 |
| Name | MONSTERLOANS |
|---|---|
| Address | LAKE FOREST, CA 92630 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 10, 2047 |
Source: Montgomery County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Montgomery County |
| Unified School District | Montgomery County Public Schools (PK - 12) |
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 | $543,667 (+3.56%) | $581,000 (+10.67%) Land $150,000 Building $431,000 | |
| 2025 | $5,977.00 (+38.61%) Homeowner's exemption | $525,000 (+17.08%) Land $130,000 Building $395,000 | $525,000 (-) Land $130,000 Building $395,000 |
| 2023 | $448,400 | $525,000 Land $130,000 Building $395,000 | |
| 2022 | $4,312.00 |
Source: FEMA National Flood Hazard Layer as of April 12, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.5% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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: Radiate Holdings, T-Mobile USA.
Based on FCC filings for 137 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WASHINGTON SUBURBAN SANITARY COMMISSION serves 1,900,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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