12159 Flag Harbor Dr, Germantown, MD 20874 Property Records

Montgomery County property record for 12159 Flag Harbor Dr, Germantown, MD 20874 · Last verified August 2026

Property Summary

Property Type	Townhouse
Details	1.5 ba · 1,152 sqft · built 1988
Lot Size	0.031 acres (1,350 sqft)
Owner	2 Individual Names on File
Last Sale	$234,900 (Feb 2004)
Tax Bill	$3,538 (2025)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-02744817`

Property Details

APN / Parcel Number

Primary APN	`09-02744817`
Alternative APN	`02744817`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,152 sqft Living Area
1st Floor Area	576 sqft
Basement Area	1 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,350 sqft (0.031 acres)
View / Lot	Waterfront

Exterior Amenities

Porch	Open Porch
Porch Area	32 sqft
Deck Area	160 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02744817
Street Address	12159 FLAG HARBOR DR
City	GERMANTOWN
State	MD
Zip	20874-1992
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	GUNNERS LAKE VILLAGE
Legal Subdivision	GUNNERS LAKE VILLAGE
Legal Block	D
Legal Lot Number	368
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	2
Census Block	2003
Census Tract	700819

Owner

Source: Montgomery County records · APN 09-02744817

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	2 Individual Names on File
Mailing Address	12159 FLAG HARBOR DR, GERMANTOWN, MD 20874-1992
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 05, 2004 · Amount on Record
Deed Sale	Feb 05, 2004 · Amount on Record
Prior Sale	Feb 05, 2004 · Amount on Record
Deed Document Number	2004296129
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12159 FLAG HARBOR DR, GERMANTOWN, MD 20874-1992
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	OPTIMA TITLE SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12519 FLAG HARBOR DR, GERMANTOWN, MD 20874

Mortgage

Document Number	0624320381
Date	Apr 06, 2021
Book Page	62432/381

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	177 Months
Due	Jan 01, 2036

Tax Assessment & Valuation

Source: Montgomery County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Montgomery County
Unified School District	Montgomery County Public Schools (PK - 12)

Tax Bill & Assessment History

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		$349,700 (+6.09%) Land $135,000 Building $214,700	$349,700 (-) Land $135,000 Building $214,700
2025	$3,538.00 (+3.36%)	$329,633 (+13.86%)	$349,700 (+20.79%) Land $135,000 Building $214,700
2023		$289,500 Land $135,000 Building $154,500	$289,500 Land $135,000 Building $154,500
2022	$3,423.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Montgomery County (24031C), updated April 12, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240317008192, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Nearby Flood Policies	3 in force 3 of 3 on primary residences
Flood Insurance Cost	Premium on Record median of 3 individual NFIP policies nearby

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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.