Montgomery County property record for 12102 Gatewater Dr, Potomac, MD 20854
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,982 sqft · built 1986 |
| Lot Size | 0.123 acres (5,338 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $730,000 (May 2017) |
| Tax Bill | $9,461 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Apr 2021 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-02332853 |
| Primary APN | 10-02332853 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,982 sqft Living Area |
| Gross Area | 3,213 sqft |
| 1st Floor Area | 1,268 sqft |
| Basement Area | 750 sqft |
| Finished Basement | 750 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Bi-Level |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 5,338 sqft (0.123 acres) |
| Garage Type | Attached |
| Garage Area | 231 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 308 sqft |
| Patio Area | 308 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 02332853 |
|---|---|
| Street Address | 12102 GATEWATER DR |
| City | POTOMAC |
| State | MD |
| Zip | 20854-2874 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD3 |
| Legal Description | FALLSBERRY |
| Legal Subdivision | FALLSBERRY |
| Legal Block | B |
| Legal Lot Number | 17 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 10 |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 706007 |
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 | 12102 GATEWATER DR, POTOMAC, MD 20854-2874 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Apr 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Apr 7, 2021 | Intrafamily Transfer, Transfer |
| May 10, 2017 | Deed, Transfer · ARM BANK-FUND STAFF FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 10, 2017 · Amount on Record |
| Deed Sale | May 10, 2017 · Amount on Record |
| Prior Sale | Jan 16, 2009 · Amount on Record |
| Deed Book / Page | 54266 / 399 |
| Last Transfer Date | Feb 25, 2021 |
| Transfer Doc | 0624450411 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 12102 GATEWATER DR, POTOMAC, MD 20854-2874 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 12102 GATEWATER DR, POTOMAC, MD 20854-2874 |
| Document Number | 0626600169 |
|---|---|
| Date | Apr 20, 2021 |
| Book Page | 62660/169 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 238 Months |
| Due | Feb 1, 2041 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Apr 7, 2021 |
| Property Address | 12102 GATEWATER DR, POTOMAC, MD 20854-2874 |
| Document Number | 0624450411 |
| Book / Page | 62445 / 411 |
| Map Reference | MB 123 PL 14449 |
| Instrument Date | Feb 25, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 12102 GATEWATER DR, POTOMAC, MD 20854-2874 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | May 10, 2017 |
| Property Address | 12102 GATEWATER DR, POTOMAC, MD 20854-2874 |
| Document Number | 0542660399 |
| Book / Page | 54266 / 399 |
| Map Reference | MB123 PL14449 |
| Instrument Date | Apr 21, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | TRADITION TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $10,950.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 12102 GATEWATER DR, POTOMAC, MD 20854-2874 |
| Document Number | 0054266407 |
|---|---|
| Date | May 10, 2017 |
| Instrument | 54266/407 |
| Name | BANK-FUND STAFF FCU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | May 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.37% |
| Index | 1-Year CMT |
| Max Rate | 9.37% |
Source: Montgomery County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Montgomery County |
| Unified School District | Montgomery County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $850,700 (-9.32%) Land $249,600 Building $601,100 | $850,700 (-9.32%) Land $249,600 Building $601,100 | |
| 2025 | $9,461.00 (-7.02%) | $938,100 (+29.53%) Land $249,600 Building $688,500 | $938,100 (-) Land $249,600 Building $688,500 |
| 2024 | $10,175.00 (+52.92%) | ||
| 2023 | $724,233 | $938,100 Land $249,600 Building $688,500 | |
| 2022 | $6,654.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 6 in force |
| Nearby Flood Claims | 4 (2019–2022) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | May 2022 |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 296 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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