12712 Saddlebrook Dr, Silver Spring, MD 20906 Property Records

Montgomery County property record for 12712 Saddlebrook Dr, Silver Spring, MD 20906

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,791 sqft · built 1966
Lot Size	0.258 acres (11,223 sqft)
Owner	2 Individual Names on File
Last Sale	$198,000 (Oct 1997)
Tax Bill	$6,470 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-01414264`

Property Details

APN / Parcel Number

Primary APN	`13-01414264`
Alternative APN	`01414264`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,791 sqft Living Area
1st Floor Area	1,848 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Bi-Level
Exterior Material	Combination
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	11,223 sqft (0.258 acres)
Garage Type	Attached
Garage Area	400 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	01414264
Street Address	12712 SADDLEBROOK DR
City	SILVER SPRING
State	MD
Zip	20906-3352
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R90
Legal Description	LAYHILL SOUTH
Legal Subdivision	LAYHILL SOUTH
Legal Block	E
Legal Lot Number	43
Jurisdiction	MONTGOMERY MD
Township / Civil Division	13
Census Block Group	1
Census Block	1001
Census Tract	703222

Owner

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	12712 SADDLEBROOK DR, SILVER SPRING, MD 20906-3352
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2024	Deed of Trust, Mortgage · Conventional Mortgage CLEAR MORTGAGE CAPITAL INC
Jun 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 9, 1997 · Amount on Record
Deed Sale	Oct 9, 1997 · Amount on Record
Deed Document Number	1997102227
Deed Book / Page	15218 / 483
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12712 SADDLEBROOK DR, SILVER SPRING, MD 20906-3352
Transaction Type	Mortgage
Record Updated	Apr 30, 2024
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12712 SADDLEBROOK DR, SILVER SPRING, MD 20906-3352

Mortgage

Document Number	0677210218
Date	Jan 31, 2024
Book Page	67721/218

Lender

Name	CLEAR MORTGAGE CAPITAL INC
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12712 SADDLEBROOK DR, SILVER SPRING, MD 20906-3352
Document Number	0546810084
Book / Page	054681 / 000084
Instrument Date	Jun 27, 2017
Transaction Type	Mortgage
Record Updated	Aug 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12712 SADDLEBROOK DR SILVER SPRING MD 209063352, SILVER SPRING, MD 20906-3352

Mortgage

Document Number	0546810084
Date	Aug 3, 2017
Book Page	054681/000084

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 2, 2032

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of August 17, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$560,633 (+1.73%)	$579,700 (+5.19%) Land $180,500 Building $399,200
2025	$6,470.00 (+38.43%)	$551,100 (+17.65%) Land $180,500 Building $370,600	$551,100 (-) Land $180,500 Building $370,600
2023		$468,433	$551,100 Land $180,500 Building $370,600
2022	$4,674.00

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

Flood

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	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2025 · rainfall accumulation

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

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 at the parcel

Drinking Water

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

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 214 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
AT&T Fixed Wireless	100 / 20

May also be available: Radiate Holdings.

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