Montgomery County property record for 12815 Tern Dr, North Potomac, MD 20878
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,548 sqft · built 2000 |
| Lot Size | 0.507 acres (22,090 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $875,000 (Feb 2022) |
| Tax Bill | $8,571 (2025) |
| Deeds & Mortgages | Nov 2021 Transfer Nov 2021 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-03105906 |
| Primary APN | 06-03105906 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,548 sqft Living Area |
| Gross Area | 3,948 sqft |
| 1st Floor Area | 1,464 sqft |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Bi-Level |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 22,090 sqft (0.507 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 250 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 03105906 |
|---|---|
| Street Address | 12815 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 | 12 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 700615 |
12815 Tern Dr is owned and occupied by two individuals who bought it in February 2022.
Source: Montgomery County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12815 TERN DR, NORTH POTOMAC, MD 20878-3571 |
| 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.
| Date | Document |
|---|---|
| Nov 10, 2021 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Nov 3, 2021 | Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Feb 14, 2022 | Re-recorded Document FIRST CLASS TITLE AGENCY, FIRST CLASS TITLE INC |
| Jul 9, 2018 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| May 22, 2017 | Quit Claim Deed, Transfer LAWYERS TITLE, LAWYERS TITLE INSURANCE CORP. |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 14, 2022 · Amount on File |
| Deed Sale | Feb 14, 2022 · Amount on File |
| Prior Sale | Nov 3, 2021 · Amount on File |
| Deed Book / Page | 65243 / 352 |
| Prior Transfer Date | Oct 20, 2021 |
| Prior Transfer Doc | 0652430352 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Nov 10, 2021 |
| Property Address | 12815 TERN DR, NORTH POTOMAC, MD 20878-3571 |
| Document Number | 0645580001 |
| Book / Page | 64558 / 1 |
| Map Reference | MB 176 PL 19756 |
| Instrument Date | Oct 29, 2021 |
| Transaction Type | Transfer |
| Record Updated | Dec 1, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 12815 TERN DR, NORTH POTOMAC, MD 20878-3571 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Nov 3, 2021 |
| Property Address | 12815 TERN DR, NORTH POTOMAC, MD 20878-3571 |
| Document Number | 0644820019 |
| Book / Page | 64482 / 19 |
| Map Reference | MB 176 PL 19756 |
| Instrument Date | Oct 20, 2021 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2021 |
| Title Company | FIRST CLASS TITLE AGENCY, FIRST CLASS TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $13,125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 12815 TERN DR, NORTH POTOMAC, MD 20878-3571 |
| Document Number | 6448225 |
|---|---|
| Date | Nov 3, 2021 |
| Instrument | 64482/25 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Feb 14, 2022 |
| Property Address | 12815 TERN DR, NORTH POTOMAC, MD 20878-3571 |
| Document Number | 0652430352 |
| Book / Page | 65243 / 352 |
| Map Reference | MB 176 PL 19756 |
| Instrument Date | Oct 20, 2021 |
| Record Updated | Mar 1, 2022 |
| Title Company | FIRST CLASS TITLE AGENCY, FIRST CLASS TITLE INC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 12815 TERN DR, NORTH POTOMAC, MD 20878-3571 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 12815 TERN DR, NORTH POTOMAC, MD 20878-3571 |
| Document Number | 0563580050 |
| Instrument Date | Jul 9, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2018 |
| Title Company | OLYMPIC TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12815 TERN DR NORTH POTOMAC MD 208783571, NORTH POTOMAC, MD 20878-3571 |
| Document Number | 0563580050 |
|---|---|
| Date | Jul 25, 2018 |
| Book Page | 056358/000050 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 24, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | May 22, 2017 |
| Property Address | 12815 TERN DR, NORTH POTOMAC, MD 20878-3571 |
| Document Number | 0543290207 |
| Book / Page | 054329 / 000207 |
| Instrument Date | Apr 7, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2017 |
| Title Company | LAWYERS TITLE, LAWYERS TITLE INSURANCE CORP. |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 13212 GLEN RD NORTH POTOMAC MD 208788854, NORTH POTOMAC, MD 20878-8854 |
The 2025 property tax bill for 12815 Tern Dr was $8,571, up 0.8% from the year before.
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 | $816,900 (+7.74%) | $875,600 (-) Land $264,500 Building $611,100 | |
| 2025 | $8,571.00 (+0.84%) | $758,200 | $875,600 Land $264,500 Building $611,100 |
| 2024 | $8,500.00 | ||
| 2023 | $695,567 | $699,500 Land $252,000 Building $447,500 | |
| 2022 | $7,347.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12815 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 12815 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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