12056 Suffolk Ter, Gaithersburg, MD 20878 Property Records

Montgomery County property record for 12056 Suffolk Ter, Gaithersburg, MD 20878

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,700 sqft · built 1970
Lot Size	0.243 acres (10,575 sqft)
Owner	Individual Name on File
Last Sale	$336,000 (Apr 2004)
Tax Bill	$4,876 (2025)
Deeds & Mortgages	Jun 2019 Mortgage Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-00411287`

Property Details

APN / Parcel Number

Primary APN	`06-00411287`
Alternative APN	`00411287`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,700 sqft Living Area
1st Floor Area	1,000 sqft
Basement Area	700 sqft
Finished Basement	700 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,575 sqft (0.243 acres)
Garage Type	Carport
Garage Area	216 sqft
Carport	Carport
Carport Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	80 sqft
Deck Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Municipal

Location & Zoning

Account Number	00411287
Street Address	12056 SUFFOLK TER
City	GAITHERSBURG
State	MD
Zip	20878-2043
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R200
Legal Description	QUINCE ORCHARD VALLE Y
Legal Subdivision	QUINCE ORCHARD VALLEY
Legal Block	F
Legal Lot Number	22
Jurisdiction	MONTGOMERY MD
Township / Civil Division	6
Census Block Group	1
Census Block	1026
Census Tract	700610

Owner

12056 Suffolk Ter is owned and occupied by an individual who bought it in April 2004.

Source: Montgomery County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	12056 SUFFOLK TER, GAITHERSBURG, MD 20878-2043
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage EDUCATIONAL SYSTEMS FCU
Nov 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage EDUCATIONAL SYSTEMS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2004 · Amount on File
Deed Sale	Apr 20, 2004 · Amount on File
Prior Sale	Jun 14, 2002 · Amount on File
Deed Document Number	20043294
Deed Book / Page	27129 / 203
Transfer Doc	0174110745
Record Updated	Sep 20, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12056 SUFFOLK TER, GAITHERSBURG, MD 20878-2043
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	COMMONWEALTH LAND TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0577350349
Date	Jun 18, 2019
Book Page	57735/349

Lender

Name	EDUCATIONAL SYSTEMS FCU
Type	Credit Union
Address	GREENBELT, MD 20768

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12056 SUFFOLK TER, GAITHERSBURG, MD 20878-2043
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	COMMONWEALTH LAND TITLE INSURANCE COMPANY, COMMONWEALTH LAND TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12056 SUFFOLK TER, GAITHERSBURG, MD 20878-2043

Mortgage

Document Number	0647030467
Date	Nov 29, 2021
Book Page	64703/467

Lender

Name	EDUCATIONAL SYSTEMS FCU
Type	Credit Union
Address	GREENBELT, MD 20768

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Dec 1, 2036
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	6.75%

Tax Assessment & Valuation

The 2025 property tax bill for 12056 Suffolk Ter was $4,876, down 6.8% 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		$458,967 (+4.97%)	$480,700 (-) Land $237,200 Building $243,500
2025	$4,876.00 (-6.77%)	$437,233	$480,700 Land $237,200 Building $243,500
2024	$5,230.00
2023		$395,200	$415,500 Land $225,900 Building $189,600
2022	$3,852.00

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

Flood

FEMA maps place 12056 Suffolk Ter in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2012.

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2012–2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2018 · 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 12056 Suffolk Ter 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 93% of the US · lower than 85% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 339 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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