Montgomery County property record for 19102 Willow Spring Dr, Germantown, MD 20874
| Property Type | Townhouse |
|---|---|
| Details | 1.5 ba · 1,268 sqft · built 1987 |
| Lot Size | 0.024 acres (1,023 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $258,000 (Sep 2018) |
| Tax Bill | $3,896 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Feb 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-02427353 |
| Primary APN | 09-02427353 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,268 sqft Living Area |
| 1st Floor Area | 480 sqft |
| Basement Area | 338 sqft |
| Finished Basement | 338 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Townhouse |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 1,023 sqft (0.024 acres) |
| Deck Area | 195 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 02427353 |
|---|---|
| Street Address | 19102 WILLOW SPRING DR |
| City | GERMANTOWN |
| State | MD |
| Zip | 20874-5378 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PD9 |
| Legal Description | GUNNERS LAKE VILLAGE |
| Legal Subdivision | GUNNERS LAKE VILLAGE |
| Legal Block | C |
| Legal Lot Number | 164 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 9 |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 700818 |
19102 Willow Spring Dr, a townhouse, is owned and occupied by two individuals who bought it in September 2018.
Source: Montgomery County records, as of August 25, 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 | 19102 WILLOW SPRING DR, GERMANTOWN, MD 20874-5378 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 20, 2024 | Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK |
| Feb 7, 2023 | Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK |
| May 4, 2022 | Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE |
| Sep 19, 2018 | Deed, Transfer · FHA Mortgage HOMESPIRE MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 19, 2018 · Amount on File |
| Deed Sale | Sep 19, 2018 · Amount on File |
| Prior Sale | Aug 23, 2004 · Amount on File |
| Deed Book / Page | 56633 / 352 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 19102 WILLOW SPRING DR, GERMANTOWN, MD 20874-5378 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2024 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 19102 WILLOW SPRING DR, GERMANTOWN, MD 20874-5378 |
| Document Number | 0678360373 |
|---|---|
| Date | Mar 20, 2024 |
| Book Page | 67836/373 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 335 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 19102 WILLOW SPRING DR, GERMANTOWN, MD 20874-5378 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 19102 WILLOW SPRING DR, GERMANTOWN, MD 20874-5378 |
| Document Number | 0667200007 |
|---|---|
| Date | Feb 7, 2023 |
| Book Page | 66720/7 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 348 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 19102 WILLOW SPRING DR, GERMANTOWN, MD 20874-5378 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 19102 WILLOW SPRING DR, GERMANTOWN, MD 20874-5378 |
| Document Number | 0656970486 |
|---|---|
| Date | May 4, 2022 |
| Book Page | 65697/486 |
| Name | MIDLAND MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Sep 19, 2018 |
| Property Address | 19102 WILLOW SPRING DR, GERMANTOWN, MD 20874-5378 |
| Document Number | 0566330352 |
| Book / Page | 56633 / 352 |
| Map Reference | MB128 PL14912 |
| Instrument Date | Sep 14, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,225.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 19102 WILLOW SPRING DR, GERMANTOWN, MD 20874-5378 |
| Document Number | 0056633361 |
|---|---|
| Date | Sep 19, 2018 |
| Instrument | 56633/361 |
| Name | HOMESPIRE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2048 |
The 2025 property tax bill for 19102 Willow Spring Dr was $3,896.
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 | $316,800 (+5.4%) Land $120,000 Building $196,800 | $316,800 (-) Land $120,000 Building $196,800 | |
| 2025 | $3,896.00 | $300,567 | $316,800 Land $120,000 Building $196,800 |
| 2023 | $268,100 Land $120,000 Building $148,100 | $268,100 Land $120,000 Building $148,100 | |
| 2022 | $3,082.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 19102 Willow Spring Dr in Zone X, an area of minimal flood risk, within 500 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 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.
The area around 19102 Willow Spring Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 263 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 / 2,000 |
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