12820 River Rd, Potomac, MD 20854 Property Records

Montgomery County property record for 12820 River Rd, Potomac, MD 20854

Property Summary

Property Type	Single Family Home
Details	8.5 ba · 9,927 sqft · built 1953
Lot Size	2.01 acres (87,991 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,950,000 (Oct 2020)
Tax Bill	$29,899 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-02533933`

Property Details

APN / Parcel Number

Primary APN	`06-02533933`
Alternative APN	`02533933`

Interior

Full Baths	8.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	9,927 sqft Living Area
Gross Area	10,599 sqft
1st Floor Area	4,885 sqft
Basement Area	2,100 sqft
Finished Basement	2,100 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Bi-Level
Construction Type	Frame
Roof Material	Slate
Lot Area	87,991 sqft
View / Lot	Waterfront
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Pool Area	720 sqft
Deck Area	730 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	02533933
Street Address	12820 RIVER RD
City	POTOMAC
State	MD
Zip	20854-1139
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE2
Legal Description	WATTS BRANCH ESTATES
Legal Subdivision	WATTS BRANCH ESTATES
Legal Block	1
Legal Lot Number	15
Jurisdiction	MONTGOMERY MD
Township / Civil Division	6
Census Block Group	1
Census Block	1005
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	12820 RIVER RD, POTOMAC, MD 20854-1139
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2020 · Amount on Record
Deed Sale	Oct 29, 2020 · Amount on Record
Prior Sale	Feb 13, 2004 · Amount on Record
Deed Book / Page	60936 / 169
Record Updated	Sep 20, 2026

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Oct 29, 2020
Property Address	12820 RIVER RD, POTOMAC, MD 20854-1139
Document Number	0609360169
Book / Page	60936 / 169
Map Reference	MB 134 PL 15508
Instrument Date	Sep 29, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	PARAGON TITLE GROUP INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$44,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12820 RIVER RD, POTOMAC, MD 20854-1139

Mortgage

Document Number	0060936177
Date	Oct 29, 2020
Instrument	60936/177

Lender

Name	MID-ATLANTIC FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Oct 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.25%
Index	1-Year LIBOR
Max Rate	8.25%

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		$2,585,400 (-) Land $1,160,200 Building $1,425,200	$2,585,400 (-) Land $1,160,200 Building $1,425,200
2025	$29,899.00 (-8.11%)	$2,585,400 (-12.56%) Land $1,160,200 Building $1,425,200	$2,585,400 (-12.67%) Land $1,160,200 Building $1,425,200
2023		$2,956,633	$2,960,400 Land $1,160,200 Building $1,800,200
2022	$32,539.00

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
Nearest Special Flood Hazard Area	Zone A, 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on River Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures