20138 Waterside Dr, Germantown, MD 20874 Property Records

Montgomery County property record for 20138 Waterside Dr, Germantown, MD 20874

Property Summary

Property Type	Townhouse
Details	3.5 ba · 1,678 sqft · built 1986
Lot Size	0.054 acres (2,342 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Apr 2013)
Tax Bill	$3,992 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2021 Assignment
Flood Zone	Zone X (minimal risk)
APN	`02-02593025`

Property Details

APN / Parcel Number

Primary APN	`02-02593025`
Alternative APN	`02593025`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,678 sqft Living Area
1st Floor Area	688 sqft
Basement Area	350 sqft
Finished Basement	350 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,342 sqft (0.054 acres)
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02593025
Street Address	20138 WATERSIDE DR
City	GERMANTOWN
State	MD
Zip	20874-3738
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	TMD
Legal Description	CHURCHILL TOWN SECTOR TWNHS
Legal Subdivision	CHURCHILL TOWN SECTOR TWNHS
Legal Block	12
Legal Lot Number	113
Jurisdiction	MONTGOMERY MD
Township / Civil Division	2
Census Block Group	4
Census Block	4002
Census Tract	700310

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	Individual Name on Record
Mailing Address	20138 WATERSIDE DR, GERMANTOWN, MD 20874-3738
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP
Aug 25, 2021	Assignment of Deed, Transfer KVS TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2013 · Amount on Record
Deed Sale	Apr 15, 2013 · Amount on Record
Prior Sale	Oct 14, 2005 · Amount on Record
Deed Book / Page	46520 / 265
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	20138 WATERSIDE DR, GERMANTOWN, MD 20874-3738
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	COVENANT TITLE AND ESCROW, COVENANT TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0622110314
Date	Mar 16, 2021
Book Page	62211/314

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2036

August 2021: Assignment of Deed, Transfer

Document Type	Assignment of Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Aug 25, 2021
Property Address	20138 WATERSIDE DR, GERMANTOWN, MD 20874-3738
Document Number	0638650075
Book / Page	63865 / 75
Instrument Date	Jul 27, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	KVS TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 MARYLAND AVE UNIT 330, 330, ROCKVILLE, MD 20850-0341
Investor	Possibly a Property Investor

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		$389,400 (+5.53%)	$409,800 (-) Land $140,000 Building $269,800
2025	$3,992.00 (+24.71%)	$369,000 (+9.86%)	$409,800 (+17.56%) Land $140,000 Building $269,800
2023		$335,867	$348,600 Land $140,000 Building $208,600
2022	$3,201.00

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	1 in force
Nearby Flood Claims	2 (1979–2011)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jan 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 92% 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 321 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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