15824 Phillips Oak Dr, Spencerville, MD 20868 Property Records

Montgomery County property record for 15824 Phillips Oak Dr, Spencerville, MD 20868

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,957 sqft · built 1999
Lot Size	1.05 acres (45,939 sqft)
Owner	2 Individual Names on File
Last Sale	$715,000 (Nov 2020)
Tax Bill	$9,728 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-03122114`

Property Details

APN / Parcel Number

Primary APN	`05-03122114`
Alternative APNs	`0503122114 5` `03122114`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,957 sqft Living Area
Gross Area	5,377 sqft
1st Floor Area	1,938 sqft
Basement Area	1,090 sqft
Finished Basement	1,090 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	45,939 sqft
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	132 sqft
Deck Area	315 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	03122114
Street Address	15824 PHILLIPS OAK DR
City	SPENCERVILLE
State	MD
Zip	20868-9709
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE1
Legal Description	PHILLIPS OAK
Legal Subdivision	BEALLS MANOR
Legal Phase	IL
Legal Block	A
Legal Lot Number	13
Jurisdiction	MONTGOMERY MD
Township / Civil Division	5
Census Block Group	2
Census Block	2000
Census Tract	701408

Owner

15824 Phillips Oak Dr is owned and occupied by two individuals who bought it in November 2020.

Source: Montgomery County records, as of August 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	15824 PHILLIPS OAK DR, SPENCERVILLE, MD 20868-9709
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2020 · Amount on File
Deed Sale	Nov 30, 2020 · Amount on File
Prior Sale	Jul 22, 1999 · Amount on File
Deed Book / Page	61209 / 155
Record Updated	Sep 20, 2026

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Nov 30, 2020
Property Address	15824 PHILLIPS OAK DR, SPENCERVILLE, MD 20868-9709
Document Number	0612090155
Book / Page	61209 / 155
Map Reference	MB 178 PL 19921
Instrument Date	Oct 14, 2020
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	LAKESIDE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,937.50
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	15824 PHILLIPS OAK DR, SPENCERVILLE, MD 20868-9709

Mortgage

Document Number	61209164
Date	Nov 30, 2020
Instrument	61209/164

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 15824 Phillips Oak Dr was $9,728.

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		$902,800 (+8.35%) Land $257,100 Building $645,700	$902,800 (-) Land $257,100 Building $645,700
2025	$9,728.00	$833,200	$902,800 Land $257,100 Building $645,700
2023		$694,000 Land $257,100 Building $436,900	$694,000 Land $257,100 Building $436,900
2022	$7,096.00

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

Flood

FEMA maps place 15824 Phillips Oak Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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	4 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2014 · other causes

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

Wildfire risk around 15824 Phillips Oak Dr is low, with a 0.01% annual chance of 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20