12037 Saw Mill Ct, Silver Spring, MD 20902 Property Records

Montgomery County property record for 12037 Saw Mill Ct, Silver Spring, MD 20902

Property Summary

Property Type	Townhouse
Details	3 ba · 1,844 sqft · built 1991
Lot Size	0.069 acres (3,024 sqft)
Owner	2 Individual Names on File
Last Sale	$392,000 (Sep 2009)
Tax Bill	$5,501 (2025)
Deeds & Mortgages	Apr 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-02897857`

Property Details

APN / Parcel Number

Primary APN	`13-02897857`
Alternative APN	`02897857`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,844 sqft Living Area
Gross Area	2,096 sqft
1st Floor Area	932 sqft
Basement Area	1 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	3,024 sqft (0.069 acres)
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02897857
Street Address	12037 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	101
Jurisdiction	MONTGOMERY MD
Township / Civil Division	13
Census Block Group	1
Census Block	1015
Census Tract	703207

Owner

12037 Saw Mill Ct, a townhouse, is owned and occupied by two individuals who bought it in September 2009.

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	2 Individual Names on File
Mailing Address	12037 SAW MILL CT, SILVER SPRING, MD 20902-1881
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2009 · Amount on File
Deed Sale	Sep 10, 2009 · Amount on File
Prior Sale	May 2, 2001 · Amount on File
Deed Document Number	200916532
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Recording Date	Apr 29, 2026
Property Address	12037 SAW MILL CT, SILVER SPRING, MD 20902-1881
Document Number	7042000406
Book / Page	70420 / 406
Instrument Date	Apr 21, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	RADIANT TITLE LLC, RADIANT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	12037 SAW MILL CT, SILVER SPRING, MD 20902-1881

Mortgage

Document Number	7042000406,
Date	Apr 29, 2026
Book Page	70420/406

Lender

Name	USAA FSB

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate	6.38%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 12037 Saw Mill Ct was $5,501, down 6.4% from the year before.

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		$500,767 (+3.55%)	$535,100 (+10.65%) Land $150,000 Building $385,100
2025	$5,501.00 (-6.38%)	$483,600 Land $130,000 Building $353,600	$483,600 Land $130,000 Building $353,600
2024	$5,876.00
2023		$442,933	$483,600 Land $130,000 Building $353,600
2022	$4,450.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12037 Saw Mill Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

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 File 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

Wildfire risk around 12037 Saw Mill Ct 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 99.1% of the US · lower than 98.5% 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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