Montgomery County property record for 12205 Emerald Way, Germantown, MD 20876
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,046 sqft · built 1998 |
| Lot Size | 0.15 acres (6,531 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $365,000 (Jun 2010) |
| Tax Bill | $5,544 (2025) |
| Deeds & Mortgages | Mar 2022 Line of Credit Oct 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-03156745 |
| Primary APN | 02-03156745 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,046 sqft Living Area |
| Gross Area | 2,446 sqft |
| 1st Floor Area | 761 sqft |
| Basement Area | 570 sqft |
| Finished Basement | 570 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Bi-Level |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 6,531 sqft (0.15 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 03156745 |
|---|---|
| Street Address | 12205 EMERALD WAY |
| City | GERMANTOWN |
| State | MD |
| Zip | 20876-6964 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R200 |
| Legal Description | MILESTONE |
| Legal Subdivision | MILESTONE |
| Legal Block | X |
| Legal Lot Number | 74 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 2 |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 700314 |
Source: Montgomery County assessment roll, 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 File |
|---|---|
| Mailing Address | 12205 EMERALD WAY, GERMANTOWN, MD 20876-6964 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Mar 25, 2022 | Deed of Trust, Mortgage · Line of Credit MID-ATLANTIC FCU |
| Oct 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MID-ATLANTIC FCU |
| Jun 30, 2021 | Deed of Trust, Mortgage · Line of Credit MID-ATLANTIC FCU |
| Jul 22, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 30, 2010 · Amount on Record |
| Deed Sale | Jun 30, 2010 · Amount on Record |
| Prior Sale | Jan 23, 2003 · Amount on Record |
| Deed Document Number | 2010166805 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 12205 EMERALD WAY, GERMANTOWN, MD 20876-6964 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2022 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 0654770227 |
|---|---|
| Date | Mar 25, 2022 |
| Book Page | 65477/227 |
| Name | MID-ATLANTIC FCU |
|---|---|
| Type | Credit Union |
| Address | GERMANTOWN, MD 20874 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 12205 EMERALD WAY, GERMANTOWN, MD 20876-6964 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2021 |
| Title Company | ELITE SETTLEMENTS LLC |
| Name | Verified Name |
|---|---|
| Address | 12205 EMERALD WAY, GERMANTOWN, MD 20876-6964 |
| Document Number | 0642530076 |
|---|---|
| Date | Oct 12, 2021 |
| Book Page | 64253/76 |
| Name | MID-ATLANTIC FCU |
|---|---|
| Type | Credit Union |
| Address | GERMANTOWN, MD 20874 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 12205 EMERALD WAY, GERMANTOWN, MD 20876-6964 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0633940268 |
|---|---|
| Date | Jun 30, 2021 |
| Book Page | 63394/268 |
| Name | MID-ATLANTIC FCU |
|---|---|
| Type | Credit Union |
| Address | GERMANTOWN, MD 20874 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 12205 EMERALD WAY, GERMANTOWN, MD 20876-6964 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0601050212 |
|---|---|
| Date | Jul 22, 2020 |
| Book Page | 60105/212 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Aug 1, 2045 |
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 | $534,200 (+7.85%) | $573,100 (-) Land $149,300 Building $423,800 | |
| 2025 | $5,544.00 (+35.72%) | $495,300 (+16.21%) | $573,100 (+25.57%) Land $149,300 Building $423,800 |
| 2023 | $426,200 | $456,400 Land $149,300 Building $307,100 | |
| 2022 | $4,085.00 |
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 | 4 in force |
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 | None beyond ember reach |
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 308 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 USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures