12815 River Rd, Potomac, MD 20854 Property Records

Montgomery County property record for 12815 River Rd, Potomac, MD 20854

Property Summary

Property Type	Single Family Home
Details	5.5 ba · 5,391 sqft · built 1956
Lot Size	7.63 acres (332,798 sqft)
Owner	2 Individual Names on Record
Last Sale	$4,250,000 (Jan 2025)
Tax Bill	$21,027 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-00397516`

Property Details

APN / Parcel Number

Primary APN	`06-00397516`
Alternative APN	`00397516`

Interior

Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,391 sqft Living Area
1st Floor Area	3,103 sqft
Basement Area	480 sqft
Finished Basement	480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Bi-Level
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	332,798 sqft
Garage Type	Detached
Garage Area	1,500 sqft
Parking Spaces	5 Parking Spaces
Pool Area	800 sqft
Porch	Open Porch
Porch Area	618 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	00397516
Street Address	12815 RIVER RD
City	POTOMAC
State	MD
Zip	20854-1140
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE2
Legal Description	PARCEL B FRANK TAYLO R SUB
Legal Subdivision	FRANK TAYLOR SUB
Legal Block	1
Legal Lot Number	B
Jurisdiction	MONTGOMERY MD
Township / Civil Division	6
Census Block Group	1
Census Block	1010
Census Tract	700608

Owner

Source: Montgomery County records, 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 Record
Mailing Address	6412 DISTANT MELODY PL, COLUMBIA, MD 21044-6056
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2023	Deed, Transfer · Conventional Mortgage TRUIST BANK
Dec 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2025 · Amount on Record
Deed Sale	Jan 14, 2025 · Amount on Record
Prior Sale	Aug 28, 2023 · Amount on Record
Deed Book / Page	68789 / 137
Record Updated	Sep 20, 2026

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Aug 28, 2023
Property Address	12815 RIVER RD, POTOMAC, MD 20854-1140
Document Number	0673120256
Book / Page	67312 / 256
Map Reference	MB 55 PL 4421
Instrument Date	Aug 17, 2023
Transaction Type	Transfer
Record Updated	Sep 11, 2023
Title Company	SETTLEMENT MATTERS LLC, SETTLEMENT TRUST LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12815 RIVER RD, POTOMAC, MD 20854-1140

Mortgage

Document Number	0067312264
Date	Aug 28, 2023
Instrument	67312/264

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Sep 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.5%
Margin	3
Max Rate	10.5%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12815 RIVER RD, POTOMAC, MD 20854-1140
Transaction Type	Mortgage
Record Updated	Mar 1, 2021
Title Company	BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0587710258
Date	Dec 30, 2019
Book Page	58771/258

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

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		$1,855,600 (+5.76%)	$1,956,600 (-) Land $894,100 Building $1,062,500
2025	$21,027.00 (+15.52%)	$1,754,600 (+6.11%)	$1,956,600 (+18.32%) Land $894,100 Building $1,062,500
2023		$1,653,600 (-) Land $894,100 Building $759,500	$1,653,600 (-) Land $894,100 Building $759,500
2022	$18,202.00 Homeowner's exemption	$1,653,600 Land $894,100 Building $759,500	$1,653,600 Land $894,100 Building $759,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2019 · 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

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	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 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35

May also be available: T-Mobile.

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