Montgomery County property record for 12809 Tern Dr, North Potomac, MD 20878
| Property Type | Single Family Home |
|---|---|
| Details | 4.5 ba · 4,988 sqft · built 2000 |
| Lot Size | 0.581 acres (25,300 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $795,000 (Jan 2019) |
| Tax Bill | $10,696 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Jan 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-03105792 |
| Primary APN | 06-03105792 |
|---|---|
| Alternative APN |
|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,988 sqft Living Area |
| Gross Area | 5,388 sqft |
| 1st Floor Area | 1,988 sqft |
| Basement Area | 1,280 sqft |
| Finished Basement | 1,280 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Bi-Level |
| Exterior Material | Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 25,300 sqft (0.581 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 03105792 |
|---|---|
| Street Address | 12809 TERN DR |
| City | NORTH POTOMAC |
| State | MD |
| Zip | 20878-3571 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R200 |
| Legal Description | MOUNTAIN VIEW ESTS |
| Legal Subdivision | MOUNTAIN VIEW EST |
| Legal Block | A |
| Legal Lot Number | 13 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 700615 |
12809 Tern Dr is owned and occupied by two individuals who bought it in January 2019.
Source: Montgomery County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12809 TERN DR, NORTH POTOMAC, MD 20878-3571 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Jan 16, 2019 | Deed, Transfer · ARM FIFTH THIRD MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 16, 2019 · Amount on File |
| Deed Sale | Jan 16, 2019 · Amount on File |
| Prior Sale | Nov 26, 2013 · Amount on File |
| Deed Book / Page | 57109 / 238 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 12809 TERN DR, NORTH POTOMAC, MD 20878-3571 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | PEAK SETTLEMENTS LLC |
| Name | Verified Name |
|---|
| Document Number | 0600170332 |
|---|---|
| Date | Jul 10, 2020 |
| Book Page | 60017/332 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Aug 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.25% |
| Index | 1-Year LIBOR |
| Max Rate | 8.25% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Jan 16, 2019 |
| Property Address | 12809 TERN DR, NORTH POTOMAC, MD 20878-3571 |
| Document Number | 0571090238 |
| Book / Page | 57109 / 238 |
| Map Reference | MB 176 PL 19755 |
| Instrument Date | Dec 20, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $11,925.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 12809 TERN DR, NORTH POTOMAC, MD 20878-3571 |
| Document Number | 0057109246 |
|---|---|
| Date | Jan 16, 2019 |
| Instrument | 57109/246 |
| Name | FIFTH THIRD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Jan 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9% |
| Index | 1-Year LIBOR |
| Max Rate | 9% |
The 2025 property tax bill for 12809 Tern Dr was $10,696.
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 | $940,367 (+8.1%) | $1,010,800 (-) Land $268,800 Building $742,000 | |
| 2025 | $10,696.00 | $869,933 | $1,010,800 Land $268,800 Building $742,000 |
| 2023 | $792,933 | $799,500 Land $256,100 Building $543,400 | |
| 2022 | $8,512.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12809 Tern Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2012.
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 |
| Nearby Flood Claims | 3 (2012–2018) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jul 2018 · 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 risk around 12809 Tern Dr 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 · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 226 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 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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