13140 River Rd, Potomac, MD 20854 Property Records

Montgomery County property record for 13140 River Rd, Potomac, MD 20854

Property Summary

Property Type	Single Family Home
Details	5 ba · 7,235 sqft · built 1978
Lot Size	3.2 acres (139,392 sqft)
Owner	Individual Name on Record
Last Sale	$1,850,000 (Jan 2022)
Tax Bill	$19,675 (2025)
Deeds & Mortgages	Feb 2026 Second Mortgage Jan 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-01738503`

Property Details

APN / Parcel Number

Primary APN	`06-01738503`
Alternative APN	`01738503`

Interior

Full Baths	5 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	7,235 sqft Living Area
Gross Area	8,051 sqft
1st Floor Area	2,885 sqft
Basement Area	2,451 sqft
Finished Basement	2,451 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Bi-Level
Exterior Material	Combination
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	139,392 sqft
Garage Type	Attached
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces
Pool Area	1,250 sqft
Deck Area	520 sqft
Patio Area	550 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	01738503
Street Address	13140 RIVER RD
City	POTOMAC
State	MD
Zip	20854
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE2
Legal Description	MERRY-GO-ROUND FARM
Legal Subdivision	MERRY GO ROUND FARM
Legal Block	1
Legal Lot Number	10
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	Individual Name on Record
Mailing Address	13140 RIVER RD, POTOMAC, MD 20854
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEWPOINT MORTGAGE LLC
Jan 5, 2017	Deed of Trust, Mortgage · ARM CAPITAL BANK NA
Jan 31, 2022	Deed, Transfer · Conventional Mortgage FIRST SAVINGS MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2022 · Amount on Record
Deed Sale	Jan 31, 2022 · Amount on Record
Prior Sale	Feb 23, 2004 · Amount on Record
Deed Book / Page	65156 / 256
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	13140 RIVER RD, POTOMAC, MD 20854
Transaction Type	Mortgage
Record Updated	Mar 17, 2026
Title Company	IN TITLE, FIN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0701800159
Date	Feb 26, 2026
Book Page	70180/159

Lender

Name	NEWPOINT MORTGAGE LLC
Type	Mortgage Company
Address	GAITHERSBURG, MD 20877

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2056

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	13140 RIVER RD, POTOMAC, MD 20854-1144
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0535230449
Date	Jan 5, 2017
Book Page	53523/449

Lender

Name	CAPITAL BANK NA
Type	Bank
Address	20980

Agreement

Type	ARM
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Dec 1, 2023
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	5.5%
Index	1-Year LIBOR
Max Rate	9.5%

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Jan 31, 2022
Property Address	13140 RIVER RD, POTOMAC, MD 20854-1144
Document Number	0651560256
Book / Page	65156 / 256
Map Reference	MB 100 PL 11236
Instrument Date	Jan 28, 2022
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	MONARCH LAND TITLE INC, MONARCH TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$23,125.00
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 in Severalty
Address	13140 RIVER RD, POTOMAC, MD 20854-1144

Mortgage

Document Number	0065156264
Date	Jan 31, 2022
Instrument	65156/264

Lender

Name	FIRST SAVINGS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

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		$1,779,900 (+5.2%)	$1,867,800 (-) Land $922,900 Building $944,900
2025	$19,675.00 (+18.25%)	$1,692,000 (+8.79%)	$1,867,800 (+16.44%) Land $922,900 Building $944,900
2023		$1,555,300	$1,604,100 Land $922,900 Building $681,200
2022	$16,638.00

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	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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on River Rd

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