Montgomery County property record for 12514 Willow Spring Cir, Germantown, MD 20874
| Property Type | Townhouse |
|---|---|
| Details | 3 ba · 1,815 sqft · built 1986 |
| Lot Size | 0.028 acres (1,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $376,000 (May 2021) |
| Tax Bill | $3,954 (2025) |
| Deeds & Mortgages | May 2021 Sale & Mortgage Jan 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-02426883 |
| Primary APN | 09-02426883 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 1,815 sqft Living Area |
| 1st Floor Area | 660 sqft |
| Basement Area | 495 sqft |
| Finished Basement | 495 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 1,200 sqft (0.028 acres) |
| Deck Area | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 02426883 |
|---|---|
| Street Address | 12514 WILLOW SPRING CIR |
| City | GERMANTOWN |
| State | MD |
| Zip | 20874-5373 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PD9 |
| Legal Description | GUNNERS LAKE VILLAGE |
| Legal Subdivision | GUNNERS LAKE VILLAGE |
| Legal Block | C |
| Legal Lot Number | 204 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 9 |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 700818 |
12514 Willow Spring Cir, a townhouse, is owned and occupied by two individuals who bought it in May 2021.
Source: Montgomery County records, as of August 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12514 WILLOW SPRING CIR, GERMANTOWN, MD 20874-5373 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| May 10, 2021 | Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Jan 18, 2017 | Deed of Trust, Mortgage · FHA Mortgage SUN WEST MORTGAGE COMPANY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 10, 2021 · Amount on File |
| Deed Sale | May 10, 2021 · Amount on File |
| Prior Sale | Apr 18, 1989 · Amount on File |
| Deed Book / Page | 62924 / 134 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | May 10, 2021 |
| Property Address | 12514 WILLOW SPRING CIR, GERMANTOWN, MD 20874-5373 |
| Document Number | 0629240134 |
| Book / Page | 62924 / 134 |
| Map Reference | MB 128 PL 14911 |
| Instrument Date | Apr 6, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2021 |
| Title Company | COVENANT TITLE AND ESCROW, COVENANT TITLE & ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,700.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 26 WALNUTWOOD CT, 26, GERMANTOWN, MD 20874-1031 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 12514 WILLOW SPRING CIR, GERMANTOWN, MD 20874-5373 |
| Document Number | 62924140 |
|---|---|
| Date | May 10, 2021 |
| Instrument | 62924/140 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 12514 WILLOW SPRING CIR, GERMANTOWN, MD 20874-5373 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0535870208 |
|---|---|
| Date | Jan 18, 2017 |
| Book Page | 53587/208 |
| Name | SUN WEST MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | CERRITOS, CA 90703 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 356 Months |
| Due | Sep 1, 2046 |
The 2025 property tax bill for 12514 Willow Spring Cir was $3,954.
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 | $396,600 (+8.44%) Land $120,000 Building $276,600 | $396,600 (-) Land $120,000 Building $276,600 | |
| 2025 | $3,954.00 | $365,733 | $396,600 Land $120,000 Building $276,600 |
| 2023 | $304,000 Land $120,000 Building $184,000 | $304,000 Land $120,000 Building $184,000 | |
| 2022 | $2,883.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12514 Willow Spring Cir in Zone X, an area of minimal flood risk.
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 | 1 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.
The area around 12514 Willow Spring Cir has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 263 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 / 2,000 |
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