16600 Whites Ferry Rd, Boyds, MD 20841 Property Records

Montgomery County property record for 16600 Whites Ferry Rd, Boyds, MD 20841

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,410 sqft · built 1840
Lot Size	2.01 acres (87,556 sqft)
Owner	2 Individual Names on Record
Last Sale	$735,000 (Jun 2022)
Tax Bill	$6,828 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-00038616`

Property Details

APN / Parcel Number

Primary APN	`03-00038616`
Alternative APN	`00038616`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,410 sqft Living Area
1st Floor Area	1,364 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1840
Effective Year Built	Effective 1840
Architectural Style	Multi-Level
Exterior Material	Combination
Construction Type	Brick
Roof Material	Other
Lot Area	87,556 sqft
Garage Type	Detached
Garage Area	902 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	640 sqft
Porch	Open Porch
Porch Area	160 sqft
Deck Area	270 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00038616
Street Address	16600 WHITES FERRY RD
City	BOYDS
State	MD
Zip	20841-9583
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R200
Legal Description	LOT IN DAWSONVILLE
Legal Subdivision	KILMAIN & SATURDAY NIGHT
Legal Block	2
Legal Lot Number	16
Jurisdiction	MONTGOMERY MD
Township / Civil Division	3
Census Block Group	2
Census Block	2019
Census Tract	700500

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	16600 WHITES FERRY RD, BOYDS, MD 20841-9583
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2022	Deed, Transfer · Conventional Mortgage FIRST SAVINGS MORTGAGE CORP
Mar 30, 2021	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE INC
Jun 9, 2020	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2022 · Amount on Record
Deed Sale	Jun 23, 2022 · Amount on Record
Prior Sale	Jun 9, 2020 · Amount on Record
Deed Book / Page	65932 / 41
Record Updated	Sep 20, 2026

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Jun 23, 2022
Property Address	16600 WHITES FERRY RD, BOYDS, MD 20841-9583
Document Number	0659320041
Book / Page	65932 / 41
Instrument Date	Jun 13, 2022
Transaction Type	Transfer
Record Updated	Jul 8, 2022
Title Company	KVS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,187.50
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	16600 WHITES FERRY RD, BOYDS, MD 20841-9583

Mortgage

Document Number	0006593248
Date	Jun 23, 2022
Instrument	65932/48

Lender

Name	FIRST SAVINGS MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Jul 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10%
Index	Other
Max Rate	10%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	16600 WHITES FERRY RD, BOYDS, MD 20841-9583
Transaction Type	Mortgage
Record Updated	May 19, 2021
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16600 WHITES FERRY RD, BOYDS, MD 20841-9583

Mortgage

Document Number	0623570493
Date	Mar 30, 2021
Book Page	62357/493

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

June 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Jun 9, 2020
Property Address	16600 WHITES FERRY RD, BOYDS, MD 20841-9583
Document Number	0597640131
Book / Page	59764 / 131
Instrument Date	May 27, 2020
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	LAKESIDE TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$7,062.50
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	16600 WHITES FERRY RD, BOYDS, MD 20841-9583

Mortgage

Document Number	59764141
Date	Jun 9, 2020
Instrument	59764/141

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

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		$598,967 (+3.98%)	$621,900 (-) Land $193,600 Building $428,300
2025	$6,828.00 (+11.61%)	$576,033 (+4.15%)	$621,900 (+12.44%) Land $193,600 Building $428,300
2023		$553,100 Land $193,600 Building $359,500	$553,100 Land $193,600 Building $359,500
2022	$6,118.00

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	4 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 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

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