Montgomery County property record for 18544 Split Rock Ln, Germantown, MD 20874
| Property Type | Townhouse |
|---|---|
| Details | 3 ba · 1,948 sqft · built 1978 |
| Lot Size | 0.047 acres (2,048 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $288,000 (Jun 2018) |
| Tax Bill | $4,681 (2025) |
| Deeds & Mortgages | Nov 2019 Mortgage Feb 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-01696817 |
| Primary APN | 09-01696817 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 1,948 sqft Living Area |
| 1st Floor Area | 746 sqft |
| Basement Area | 515 sqft |
| Finished Basement | 515 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Townhouse |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 2,048 sqft (0.047 acres) |
| Deck Area | 90 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 01696817 |
|---|---|
| Street Address | 18544 SPLIT ROCK LN |
| City | GERMANTOWN |
| State | MD |
| Zip | 20874-2111 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | RT12. |
| Legal Description | STONERIDGE |
| Legal Subdivision | STONERIDGE |
| Legal Block | A |
| Legal Lot Number | 157 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 9 |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 700815 |
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 | 18544 SPLIT ROCK LN, GERMANTOWN, MD 20874-2111 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Nov 12, 2019 | Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Feb 22, 2019 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jun 19, 2018 | Deed, Transfer · FHA Mortgage CENTURY LENDING CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 19, 2018 · Amount on Record |
| Deed Sale | Jun 19, 2018 · Amount on Record |
| Deed Book / Page | 56190 / 326 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 18544 SPLIT ROCK LN, GERMANTOWN, MD 20874-2111 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | PINNACLE T&E INC |
| Name | Verified Name |
|---|
| Document Number | 0584690484 |
|---|---|
| Date | Nov 12, 2019 |
| Book Page | 58469/484 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 18544 SPLIT ROCK LN, GERMANTOWN, MD 20874-2111 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | PINNACLE TITLE AND ESCROW IN |
| Name | Verified Name |
|---|
| Document Number | 0572340379 |
|---|---|
| Date | Feb 22, 2019 |
| Book Page | 57234/379 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 18544 SPLIT ROCK LN, GERMANTOWN, MD 20874-2111 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | BANCSTAR TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0634740187 |
|---|---|
| Date | Jul 12, 2021 |
| Book Page | 63474/187 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Jun 19, 2018 |
| Property Address | 18544 SPLIT ROCK LN, GERMANTOWN, MD 20874-2111 |
| Document Number | 0561900326 |
| Book / Page | 56190 / 326 |
| Map Reference | MB98 PL10956 |
| Instrument Date | Jun 7, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | PINNACLE TITLE & ESCROW INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,600.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 18544 SPLIT ROCK LN, GERMANTOWN, MD 20874-2111 |
| Document Number | 0056190333 |
|---|---|
| Date | Jun 19, 2018 |
| Instrument | 56190/333 |
| Name | CENTURY LENDING CO |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2048 |
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 | $410,000 (+11.19%) Land $120,000 Building $290,000 | $410,000 (-) Land $120,000 Building $290,000 | |
| 2025 | $4,681.00 (+82.42%) | $368,733 (+28.84%) | $410,000 (+43.26%) Land $120,000 Building $290,000 |
| 2023 | $286,200 Land $120,000 Building $166,200 | $286,200 Land $120,000 Building $166,200 | |
| 2022 | $2,566.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective April 12, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 94% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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 712 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
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