12324 Panama Rd, Reston, VA 20191 Property Records

Fairfax County property record for 12324 Panama Rd, Reston, VA 20191

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,876 sqft · built 1978
Lot Size	0.351 acres (15,300 sqft)
Owner	Individual Name on File
Last Sale	$732,360 (Feb 2024)
Tax Bill	$8,680 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-1-11-02-0008`

Property Details

APN / Parcel Number

Primary APN	`026-1-11-02-0008`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,876 sqft Living Area
Gross Area	2,668 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Architectural Style	Split Level
Exterior Material	Metal
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	15,300 sqft (0.351 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	252 sqft
Patio Area	252 sqft
Balcony	Balcony
Balcony Area	56 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	0261 11020008
Street Address	12324 PANAMA RD
City	RESTON
State	VA
Zip	20191-2518
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PRC(GENERAL COMBINATION D
Legal Description	RESTON LT 8 BLK 2 SEC 36
Legal Subdivision	RESTON L
Legal Block	2
Legal Lot Number	8
Jurisdiction	FAIRFAX VA
Township / Civil Division	HUNTER MILL
Census Block Group	1
Census Block	1004
Census Tract	481202

Owner

12324 Panama Rd is owned and occupied by an individual who bought it in February 2024.

Source: Fairfax County records, as of October 1, 2025

Owner of Record	Individual Name on File
Mailing Address	12324 PANAMA RD, RESTON, VA 20191-2518
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
Feb 29, 2024	· FHA Mortgage FREEDOM MORTGAGE CORP
Dec 20, 2017	Grant Deed, Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 29, 2024 · Amount on File
Deed Sale	Feb 29, 2024 · Amount on File
Prior Sale	Dec 20, 2017 · Amount on File
Deed Document Number	0280801780
Deed Book / Page	25282 / 0840
Record Updated	Jun 8, 2026

February 2024:

Jurisdiction	FAIRFAX VA
Recording Date	Feb 29, 2024
Property Address	12324 PANAMA RD, RESTON, VA 20191-2518
Document Number	0008073001
Book / Page	28080 / 1780
Map Reference	MB 3683 PG 561
Instrument Date	Feb 28, 2024
Instrument	2024008073.001
Record Updated	Mar 14, 2024
Title Company	DIAMOND TITLE INSURANCE CORPORATION, DIAMOND TITLE INSURANCE CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	12324 PANAMA RD, RESTON, VA 20191-2518

Mortgage

Document Number	0280801783
Date	Feb 29, 2024
Instrument	28080/1783

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FAIRFAX VA
Recording Date	Dec 20, 2017
Property Address	12324 PANAMA RD, RESTON, VA 20191-2518
Document Number	2017078100001
Book / Page	025282 / 000840
Instrument Date	Dec 19, 2017
Instrument	78100001
Transaction Type	Transfer
Record Updated	Jan 23, 2018
Title Company	KVS TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$532.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12324 PANAMA RD RESTON VA 201912518, RESTON, VA 20191-2518

Mortgage

Document Number	2017078100002
Date	Dec 20, 2017
Book Page	025282/000843
Instrument	78100002

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 19, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 12324 Panama Rd was $8,680.

Source: Fairfax County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Virginia
County	Fairfax County
Unified School District	Fairfax County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,680.00	$721,580 Land $348,000 Building $373,580	$721,580 Land $348,000 Building $373,580
2023	$8,008.00	$681,260 Land $333,000 Building $348,260	$681,260 Land $333,000 Building $348,260

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

Flood

FEMA maps place 12324 Panama Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2006.

Source: FEMA National Flood Hazard Layer, effective December 7, 2025 · 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (2006–2014)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Apr 2014 · other causes
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2006 · 2 claims

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 12324 Panama Rd is low, with 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 80% of the US · lower than 71% of Virginia
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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FAIRFAX COUNTY WATER AUTHORITY serves 1,121,613 people · EPA ID VA6059501
Water Source	Surface water
Last State Inspection	Mar 2022
Lead	1 ppb (2021–2023) 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 232 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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