19120 Willow Spring Dr, Germantown, MD 20874 Property Records

Montgomery County property record for 19120 Willow Spring Dr, Germantown, MD 20874

Property Summary

Property Type	Townhouse
Details	2 ba · 1,267 sqft · built 1986
Lot Size	0.023 acres (1,008 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (Mar 2018)
Tax Bill	$3,735 (2025)
Deeds & Mortgages	May 2022 Mortgage Oct 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-02427433`

Property Details

APN / Parcel Number

Primary APN	`09-02427433`
Alternative APN	`02427433`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,267 sqft Living Area
1st Floor Area	480 sqft
Basement Area	337 sqft
Finished Basement	337 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	1,008 sqft (0.023 acres)
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02427433
Street Address	19120 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	172
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	2
Census Block	2000
Census Tract	700818

Owner

19120 Willow Spring Dr, a townhouse, is owned and occupied by an individual who bought it in March 2018.

Source: Montgomery County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	19120 WILLOW SPRING DR, GERMANTOWN, MD 20874-5378
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.

Deeds, Mortgages & Sale History

Date	Document
May 5, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Oct 29, 2020	Loan Modification, Mortgage · FHA Mortgage MR COOPER
Mar 22, 2018	Deed, Transfer · FHA Mortgage BRAND MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 22, 2018 · Amount on File
Deed Sale	Mar 22, 2018 · Amount on File
Prior Sale	Jun 13, 2012 · Amount on File
Deed Book / Page	55800 / 473
Prior Transfer Date	Jun 1, 2012
Prior Transfer Doc	0441690161
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	19120 WILLOW SPRING DR, GERMANTOWN, MD 20874-5378
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19120 WILLOW SPRING DR, GERMANTOWN, MD 20874-5378

Mortgage

Document Number	0657090378
Date	May 5, 2022
Book Page	65709/378

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	341 Months
Due	Oct 1, 2050

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONTGOMERY MD
Property Address	19120 WILLOW SPRING DR, GERMANTOWN, MD 20874-5378
Document Number	0609450453
Instrument Date	Oct 29, 2020
Transaction Type	Mortgage
Record Updated	Nov 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	19120 WILLOW SPRING DR GERMANTOWN MD 208745378, GERMANTOWN, MD 20874-5378

Mortgage

Document Number	0609450453
Date	Oct 29, 2020
Book Page	060945/000453

Lender

Name	MR COOPER

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 28, 2050

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Mar 22, 2018
Property Address	19120 WILLOW SPRING DR, GERMANTOWN, MD 20874-5378
Document Number	0558000473
Book / Page	55800 / 473
Map Reference	PL14912
Instrument Date	Feb 23, 2018
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	VERSATILV TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,382.43
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19120 WILLOW SPRING DR, GERMANTOWN, MD 20874-5378

Mortgage

Document Number	0055800480
Date	Mar 22, 2018
Instrument	55800/480

Lender

Name	BRAND MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 19120 Willow Spring Dr was $3,735, up 7.2% 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		$301,500 (+5.19%) Land $120,000 Building $181,500	$301,500 (-) Land $120,000 Building $181,500
2025	$3,735.00 (+7.2%)	$286,633	$301,500 Land $120,000 Building $181,500
2024	$3,484.00
2023		$256,900 Land $120,000 Building $136,900	$256,900 Land $120,000 Building $136,900
2022	$2,307.00

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

Flood

FEMA maps place 19120 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.

Wildfire

Wildfire risk around 19120 Willow Spring Dr is low, with less than 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 94% of the US · lower than 87% of Maryland
Wildfire Likelihood	Under 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 435 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

May also be available: AT&T, T-Mobile.

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