18154 Headwaters Dr, Olney, MD 20832 Property Records

Montgomery County property record for 18154 Headwaters Dr, Olney, MD 20832

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,758 sqft · built 1985
Lot Size	0.203 acres (8,821 sqft)
Owner	2 Individual Names on Record
Last Sale	$610,000 (May 2017)
Tax Bill	$8,193 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-02499376`

Property Details

APN / Parcel Number

Primary APN	`08-02499376`
Alternative APN	`02499376`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,758 sqft Living Area
Gross Area	3,198 sqft
1st Floor Area	1,124 sqft
Basement Area	750 sqft
Finished Basement	750 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Bi-Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,821 sqft (0.203 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02499376
Street Address	18154 HEADWATERS DR
City	OLNEY
State	MD
Zip	20832-1754
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60
Legal Description	OLNEY OAKS
Legal Subdivision	OLNEY OAKS
Legal Block	A
Legal Lot Number	67
Jurisdiction	MONTGOMERY MD
Township / Civil Division	8
Census Block Group	2
Census Block	2006
Census Tract	701312

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	2 Individual Names on Record
Mailing Address	18154 HEADWATERS DR, OLNEY, MD 20832-1754
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC
Mar 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC
May 5, 2017	Grant Deed, Transfer · Conventional with PMI MORTGAGE LINK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2017 · Amount on Record
Deed Sale	May 5, 2017 · Amount on Record
Prior Sale	Apr 25, 2014 · Amount on Record
Deed Book / Page	54243 / 499
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	18154 HEADWATERS DR, OLNEY, MD 20832-1754
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	PROVEST TITLE AND ESCROW LLC, HARVEST TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0634490367
Date	Jul 8, 2021
Book Page	63449/367

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	18154 HEADWATERS DR, OLNEY, MD 20832-1754
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	HARVEST TITLE AND ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0592840453
Date	Mar 25, 2020
Book Page	59284/453

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Lending Institution
Address	FAIRFAX, VA 22030

Agreement

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

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTGOMERY MD
Recording Date	May 5, 2017
Property Address	18154 HEADWATERS DR, OLNEY, MD 20832-1754
Document Number	0542430499
Book / Page	054243 / 000499
Instrument Date	Apr 14, 2017
Transaction Type	Transfer
Record Updated	May 29, 2017
Title Company	MICHAELS TITLE AND ESCROW LLC, MICHAELS TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$610.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	18154 HEADWATERS DR OLNEY MD 208321754, OLNEY, MD 20832-1754

Mortgage

Document Number	542430507
Date	May 5, 2017
Book Page	054243/000507

Lender

Name	MORTGAGE LINK
Type	Mortgage Company
Address	ROCKVILLE, MD 20850

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 4, 2047

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		$740,833 (+2.13%)	$771,700 (+6.38%) Land $268,500 Building $503,200
2025	$8,193.00 (+36.46%)	$725,400 (+16.67%) Land $255,600 Building $469,800	$725,400 (-) Land $255,600 Building $469,800
2023		$621,733	$725,400 Land $255,600 Building $469,800
2022	$6,004.00

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	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

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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

18154 Headwaters Dr, Olney, MD 20832 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

July 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2017: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Headwaters Dr

Nearby Streets

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