12904 Summit Ridge Ter, Germantown, MD 20874 Property Records

Montgomery County property record for 12904 Summit Ridge Ter, Germantown, MD 20874

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,184 sqft · built 1997
Lot Size	0.201 acres (8,747 sqft)
Owner	2 Individual Names on Record
Last Sale	$789,000 (May 2024)
Tax Bill	$8,337 (2025)
Deeds & Mortgages	May 2024 Sale & Mortgage Sep 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`09-03047617`

Property Details

APN / Parcel Number

Primary APN	`09-03047617`
Alternative APN	`03047617`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,184 sqft Living Area
Gross Area	4,646 sqft
1st Floor Area	1,791 sqft
Basement Area	650 sqft
Finished Basement	650 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Bi-Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,747 sqft (0.201 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	03047617
Street Address	12904 SUMMIT RIDGE TER
City	GERMANTOWN
State	MD
Zip	20874-1824
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60
Legal Description	GERMANTOWN STATION
Legal Subdivision	GERMANTOWN STATION
Legal Block	1
Legal Lot Number	24
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	1
Census Block	1000
Census Tract	700815

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	12904 SUMMIT RIDGE TER, GERMANTOWN, MD 20874-1824
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 10, 2024	Deed, Transfer · Conventional Mortgage LEADER FUNDING INC
Sep 6, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2024 · Amount on Record
Deed Sale	May 10, 2024 · Amount on Record
Prior Sale	Mar 8, 2006 · Amount on Record
Deed Book / Page	67987 / 46
Prior Transfer Date	Aug 23, 2018
Prior Transfer Doc	0565660299
Record Updated	Sep 20, 2026

May 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	May 10, 2024
Property Address	12904 SUMMIT RIDGE TER, GERMANTOWN, MD 20874-1824
Document Number	0679870046
Book / Page	67987 / 46
Map Reference	MB 171 PL 19237
Instrument Date	May 1, 2024
Transaction Type	Transfer
Record Updated	May 22, 2024
Title Company	BAYVILLE TITLE AND ESCROW LLC, BAYLINE TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,945.00
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	12904 SUMMIT RIDGE TER, GERMANTOWN, MD 20874-1824

Mortgage

Document Number	0006798756
Date	May 10, 2024
Instrument	67987/56

Lender

Name	LEADER FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2039

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Sep 6, 2018
Property Address	12904 SUMMIT RIDGE TER, GERMANTOWN, MD 20874-1824
Document Number	0565660299
Book / Page	056566 / 000299
Instrument Date	Aug 23, 2018
Transaction Type	Transfer
Record Updated	Jan 15, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12904 SUMMIT RIDGE TER GERMANTOWN MD 208741824, GERMANTOWN, MD 20874-1824

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		$737,100 (+8.74%) Land $192,100 Building $545,000	$737,100 (-) Land $192,100 Building $545,000
2025	$8,337.00 (+10.16%)	$677,833 (+21.19%)	$737,100 (+31.79%) Land $192,100 Building $545,000
2024	$7,568.00 (+35.51%)
2023		$559,300 Land $192,100 Building $367,200	$559,300 Land $192,100 Building $367,200
2022	$5,585.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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	Not rated no burnable land within ember reach

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 469 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

May also be available: T-Mobile.

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