12816 Tern Dr, North Potomac (Gaithersburg), MD 20878 Property Records

Montgomery County property record for 12816 Tern Dr, North Potomac, MD 20878

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,045 sqft · built 1967
Lot Size	0.731 acres (31,836 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Nov 2002)
Tax Bill	$6,602 (2025)
Deeds & Mortgages	Nov 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-00411790`

Property Details

APN / Parcel Number

Primary APN	`06-00411790`
Alternative APN	`00411790`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,045 sqft Living Area
Gross Area	3,528 sqft
1st Floor Area	1,744 sqft
Basement Area	495 sqft
Finished Basement	495 sqft
Utility Area	144 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Bi-Level
Exterior Material	Combination
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	31,836 sqft (0.731 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00411790
Street Address	12816 TERN DR
City	NORTH POTOMAC
State	MD
Zip	20878-3570
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R200
Legal Description	MOUNTAIN VIEW EST
Legal Subdivision	MOUNTAIN VIEW EST
Legal Block	C
Legal Lot Number	22
Jurisdiction	MONTGOMERY MD
Township / Civil Division	6
Census Block Group	1
Census Block	1002
Census Tract	700615

Owner

Source: Montgomery County records · APN 06-00411790

Assessment roll updated August 17, 2026 · Last verified August 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	12816 TERN DR, NORTH POTOMAC, MD 20878-3570
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 12, 2002 · Amount on Record
Deed Sale	Nov 12, 2002 · Amount on Record
Deed Document Number	2002255311
Deed Book / Page	22209 / 267
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12816 TERN DR, NORTH POTOMAC, MD 20878-3570
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12816 TERN DR, NORTH POTOMAC, MD 20878-3570

Mortgage

Document Number	0610640093
Date	Nov 12, 2020
Book Page	61064/93

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	357 Months
Due	Aug 25, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Montgomery County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$658,767 (+12.01%)	$729,400 (-) Land $277,500 Building $451,900
2025	$6,602.00 (+24.43%)	$588,133 (+16.71%)	$729,400 (+40.95%) Land $277,500 Building $451,900
2023		$503,933	$517,500 Land $264,400 Building $253,100
2022	$5,306.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 12, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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 USA Fixed Wireless	100 / 20

Based on FCC filings for 226 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WASHINGTON SUBURBAN SANITARY COMMISSION serves 1,900,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.