Montgomery County property record for 18116 Headwaters Dr, Olney, MD 20832
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,132 sqft · built 1986 |
| Lot Size | 0.381 acres (16,605 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $397,600 (Jul 2003) |
| Tax Bill | $7,004 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-02544220 |
| Primary APN | 08-02544220 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,132 sqft Living Area |
| Gross Area | 2,552 sqft |
| 1st Floor Area | 1,220 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Bi-Level |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 16,605 sqft (0.381 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 292 sqft |
| Deck Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 02544220 |
|---|---|
| Street Address | 18116 HEADWATERS DR |
| City | OLNEY |
| State | MD |
| Zip | 20832-1752 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R200 |
| Legal Description | OLNEY OAKS |
| Legal Subdivision | OLNEY OAKS |
| Legal Block | A |
| Legal Lot Number | 75 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 8 |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 701312 |
18116 Headwaters Dr is owned and occupied by two individuals who bought it in July 2003.
Source: Montgomery County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 18116 HEADWATERS DR, OLNEY, MD 20832-1752 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Dec 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST |
| Oct 12, 2017 | Deed of Trust, Mortgage MONTGOMERY COUNTY EMPLOYEES FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 10, 2003 · Amount on File |
| Deed Sale | Jul 10, 2003 · Amount on File |
| Deed Document Number | 2003276691 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 18116 HEADWATERS DR, OLNEY, MD 20832-1752 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2021 |
| Title Company | BOSTON NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 18116 HEADWATERS DR, OLNEY, MD 20832-1752 |
| Document Number | 0647320338 |
|---|---|
| Date | Dec 1, 2021 |
| Book Page | 64732/338 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 18116 HEADWATERS DR, OLNEY, MD 20832-1752 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0550720234 |
|---|---|
| Date | Oct 12, 2017 |
| Book Page | 55072/234 |
| Name | MONTGOMERY COUNTY EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | GERMANTOWN, MD 20874 |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Oct 1, 2027 |
The 2025 property tax bill for 18116 Headwaters Dr was $7,004.
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 | $636,333 (+2.29%) | $664,800 (+6.86%) Land $295,300 Building $369,500 | |
| 2025 | $7,004.00 | $622,100 Land $281,200 Building $340,900 | $622,100 Land $281,200 Building $340,900 |
| 2023 | $541,900 | $622,100 Land $281,200 Building $340,900 | |
| 2022 | $5,253.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18116 Headwaters Dr in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 2 (2015–2016) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Aug 2016 · 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 risk around 18116 Headwaters 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 | None beyond ember reach |
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 362 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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