20206 Waterside Dr, Germantown, MD 20874 Property Records

Montgomery County property record for 20206 Waterside Dr, Germantown, MD 20874

Property Summary

Property Type	Townhouse
Details	3.5 ba · 1,630 sqft · built 1987
Lot Size	0.035 acres (1,504 sqft)
Owner	2 Individual Names on File
Last Sale	$415,000 (May 2025)
Tax Bill	$4,666 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-02593275`

Property Details

APN / Parcel Number

Primary APN	`02-02593275`
Alternative APNs	`200702593275` `02593275`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,630 sqft Living Area
1st Floor Area	640 sqft
Basement Area	350 sqft
Finished Basement	350 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,504 sqft (0.035 acres)
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02593275
Street Address	20206 WATERSIDE DR
City	GERMANTOWN
State	MD
Zip	20874-3739
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	137
Jurisdiction	MONTGOMERY MD
Township / Civil Division	2
Census Block Group	4
Census Block	4002
Census Tract	700310

Owner

20206 Waterside Dr, a townhouse, is owned and occupied by two individuals who bought it in May 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	20206 WATERSIDE DR, GERMANTOWN, MD 20874-3739
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Feb 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP
Apr 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP
Nov 15, 2021	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2025 · Amount on File
Deed Sale	May 6, 2025 · Amount on File
Prior Sale	Nov 15, 2021 · Amount on File
Deed Book / Page	69140 / 99
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	20206 WATERSIDE DR, GERMANTOWN, MD 20874-3739
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	KENSINGTON REALTY TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20206 WATERSIDE DR, GERMANTOWN, MD 20874-3739

Mortgage

Document Number	0652730168
Date	Feb 18, 2022
Book Page	65273/168

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Dec 1, 2051

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	20206 WATERSIDE DR, GERMANTOWN, MD 20874-3739
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	KENSINGTON REALTY TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0655840198
Date	Apr 13, 2022
Book Page	65584/198

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	356 Months
Due	Dec 1, 2051

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Nov 15, 2021
Property Address	20206 WATERSIDE DR, GERMANTOWN, MD 20874-3739
Document Number	0645770337
Book / Page	64577 / 337
Map Reference	MB 136 PL 15717
Instrument Date	Nov 4, 2021
Transaction Type	Transfer
Record Updated	Dec 1, 2021
Title Company	KENSINGTON REALTY TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	20206 WATERSIDE DR, GERMANTOWN, MD 20874-3739

Mortgage

Document Number	64577345
Date	Nov 15, 2021
Instrument	64577/345

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Mortgage

Document Number	0645770366
Date	Nov 15, 2021
Book Page	64577/366

Lender

Name	MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Type	Government Agency
Address	LANHAM, MD 20706

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 20206 Waterside Dr was $4,666.

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		$387,567 (+5.48%)	$407,700 (-) Land $140,000 Building $267,700
2025	$4,666.00	$367,433	$407,700 Land $140,000 Building $267,700
2023		$330,300	$347,300 Land $140,000 Building $207,300
2022	$3,092.00

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

Flood

FEMA maps place 20206 Waterside Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

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

Wildfire risk around 20206 Waterside 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 269 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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