18604 Willow Oak Dr, Derwood, MD 20855 Property Records

Montgomery County property record for 18604 Willow Oak Dr, Derwood, MD 20855

Property Summary

Property Type	Single Family Home
Details	6.5 ba · 6,667 sqft · built 1988
Lot Size	1.18 acres (51,701 sqft)
Owner	2 Individual Names on File
Last Sale	$1,055,000 (May 2024)
Tax Bill	$9,752 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`08-02616993`

Property Details

APN / Parcel Number

Primary APN	`08-02616993`
Alternative APN	`02616993`

Interior

Full Baths	6.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	6,667 sqft Living Area
Gross Area	7,471 sqft
1st Floor Area	2,777 sqft
Basement Area	2,700 sqft
Finished Basement	2,700 sqft
Utility Area	189 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Bi-Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	51,701 sqft
Garage Type	Attached
Garage Area	804 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	02616993
Street Address	18604 WILLOW OAK DR
City	DERWOOD
State	MD
Zip	20855-1462
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE1
Legal Description	GRANBY WOODS
Legal Subdivision	GRANBY WOODS
Legal Block	B
Legal Lot Number	7
Jurisdiction	MONTGOMERY MD
Township / Civil Division	8
Census Block Group	1
Census Block	1013
Census Tract	701307

Owner

18604 Willow Oak Dr is owned and occupied by two individuals who bought it in May 2024.

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 File
Mailing Address	18604 WILLOW OAK DR, DERWOOD, MD 20855-1462
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2024 · Amount on File
Deed Sale	May 20, 2024 · Amount on File
Prior Sale	Jan 4, 2011 · Amount on File
Deed Book / Page	68010 / 480
Prior Transfer Date	Apr 26, 2012
Prior Transfer Doc	0439490175
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	18604 WILLOW OAK DR, DERWOOD, MD 20855-1462
Transaction Type	Mortgage
Record Updated	May 1, 2023
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21337 GLEBE VIEW DR, BROADLANDS, VA 20148-3629

Mortgage

Document Number	0668860114
Date	Apr 10, 2023
Book Page	66886/114

Lender

Name	BANK-FUND STAFF FCU
Type	Credit Union
Address	WASHINGTON, DC 20006

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 31, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 18604 Willow Oak Dr was $9,752, up 1.7% from the year before.

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		$940,133 (+13.26%)	$1,160,200 (+39.77%) Land $332,700 Building $827,500
2025	$9,752.00 (+1.7%)	$830,100 Land $316,800 Building $513,300	$830,100 Land $316,800 Building $513,300
2024	$9,589.00
2023		$700,367	$830,100 Land $316,800 Building $513,300
2022	$7,719.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 18604 Willow Oak Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1980.

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	3 in force
Nearby Flood Claims	3 (1980–2011)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2011 · 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

Wildfire risk around 18604 Willow Oak 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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20