Montgomery County property record for 16012 Chester Mill Ter, Silver Spring, MD 20906
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,377 sqft · built 1972 |
| Lot Size | 0.351 acres (15,270 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,100 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Aug 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-01464656 |
| Primary APN | 13-01464656 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,377 sqft Living Area |
| Gross Area | 2,905 sqft |
| 1st Floor Area | 1,193 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Bi-Level |
| Exterior Material | Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 15,270 sqft (0.351 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 320 sqft |
| Deck Area | 400 sqft |
| Patio Area | 440 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 01464656 |
|---|---|
| Street Address | 16012 CHESTER MILL TER |
| City | SILVER SPRING |
| State | MD |
| Zip | 20906-1124 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R200 |
| Legal Description | NORWOOD VILLAGE |
| Legal Subdivision | NORWOOD VILLAGE |
| Legal Block | 6 |
| Legal Lot Number | 4 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 13 |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 703221 |
16012 Chester Mill Ter is owned and occupied by two individuals.
Source: Montgomery County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 16012 CHESTER MILL TER, SILVER SPRING, MD 20906-1124 |
| 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.
| Date | Document |
|---|---|
| Feb 7, 2022 | Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC |
| Aug 15, 2018 | Deed of Trust, Mortgage · Line of Credit EDUCATIONAL SYSTEMS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 16012 CHESTER MILL TER, SILVER SPRING, MD 20906-1124 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2022 |
| Title Company | WOODLAND ESTATE AND TITLE LLC, WOODLAND EASTATE & TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 16012 CHESTER MILL TER, SILVER SPRING, MD 20906-1124 |
| Document Number | 0652030134 |
|---|---|
| Date | Feb 7, 2022 |
| Book Page | 65203/134 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 16012 CHESTER MILL TER, SILVER SPRING, MD 20906-1124 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | MORTGAGE INFORMATION SVCS IN |
| Name | Verified Name |
|---|
| Document Number | 0564680406 |
|---|---|
| Date | Aug 15, 2018 |
| Book Page | 56468/406 |
| Name | EDUCATIONAL SYSTEMS FCU |
|---|---|
| Type | Credit Union |
| Address | GREENBELT, MD 20770 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Aug 14, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 16012 Chester Mill Ter was $5,100.
Source: Montgomery County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Montgomery County |
| Unified School District | Montgomery County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $572,933 (+5.57%) | $633,400 (+16.71%) Land $171,400 Building $462,000 | |
| 2025 | $5,100.00 | $542,700 Land $171,400 Building $371,300 | $542,700 Land $171,400 Building $371,300 |
| 2023 | $491,100 | $542,700 Land $171,400 Building $371,300 | |
| 2022 | $4,850.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 16012 Chester Mill Ter in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 20 policies |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 11 (1978–2014) |
| Claims Outside the SFHA | 6 of 11 |
| Most Recent Claim | May 2014 · river or lake flooding |
| Claims by Event |
|
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 risk around 16012 Chester Mill Ter 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 147 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.
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