12908 N Commons Way, Potomac, MD 20854 Property Records

Montgomery County property record for 12908 N Commons Way, Potomac, MD 20854 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,162 sqft · built 1971
Lot Size	0.241 acres (10,501 sqft)
Owner	2 Individual Names on File
Last Sale	$699,000 (Dec 2004)
Tax Bill	$694 (2025)
Deeds & Mortgages	Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-00138330`

Property Details

APN / Parcel Number

Primary APN	`04-00138330`
Alternative APN	`00138330`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,162 sqft Living Area
Gross Area	2,342 sqft
1st Floor Area	1,342 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Bi-Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,501 sqft (0.241 acres)
Garage Type	Attached
Garage Area	180 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	00138330
Street Address	12908 N COMMONS WAY
City	POTOMAC
State	MD
Zip	20854-2353
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 3 POTOMAC COMMON S
Legal Subdivision	POTOMAC COMMONS
Legal Block	P
Legal Lot Number	36
Jurisdiction	MONTGOMERY MD
Township / Civil Division	4
Census Block Group	2
Census Block	2007
Census Tract	701210

Owner

Source: Montgomery County records · APN 04-00138330

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	12908 N COMMONS WAY, POTOMAC, MD 20854-2353
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 20, 2004 · Amount on Record
Deed Sale	Dec 20, 2004 · Amount on Record
Prior Sale	Sep 17, 2003 · Amount on Record
Deed Document Number	20042835
Deed Book / Page	28890 / 331
Record Updated	Sep 20, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12908 N COMMONS WAY, POTOMAC, MD 20854-2353
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0574160364
Date	Apr 09, 2019
Book Page	57416/364

Lender

Name	SANDY SPRING BANK
Type	Bank
Address	FAIRFAX, VA 22033

Agreement

Type	ARM
Amount	Amount Recorded
Term	372 Months
Due	Apr 01, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Apr 01, 2025
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	6.75%
Index	1-Year LIBOR
Max Rate	9.75%

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		$851,900 (+6.6%) Land $396,700 Building $455,200	$851,900 (-) Land $396,700 Building $455,200
2025	$694.00 (+29.96%)	$799,133 (+15.22%)	$851,900 (+22.82%) Land $396,700 Building $455,200
2023		$693,600 Land $377,800 Building $315,800	$693,600 Land $377,800 Building $315,800
2022	$534.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Montgomery County (24031C), updated April 12, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach

Values are read at the parcel center point; lenders make the official flood determination.