Montgomery County property record for 23221 Davis Mill Rd, Germantown, MD 20876
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,928 sqft · built 1996 |
| Lot Size | 4.68 acres (204,296 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (Oct 1996) |
| Tax Bill | $828 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Mar 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-02040622 |
| Primary APN | 12-02040622 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,928 sqft Living Area |
| Gross Area | 4,517 sqft |
| 1st Floor Area | 2,078 sqft |
| Basement Area | 1 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Bi-Level |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 204,296 sqft |
| Garage Type | Attached |
| Garage Area | 589 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 02040622 |
|---|---|
| Street Address | 23221 DAVIS MILL RD |
| City | GERMANTOWN |
| State | MD |
| Zip | 20876-4547 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Description | WATKINS OVERLOOK |
| Legal Subdivision | LOCUST LEVEL |
| Legal Block | A |
| Legal Lot Number | 6 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 12 |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 700209 |
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 | 23221 DAVIS MILL RD, GERMANTOWN, MD 20876-4547 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 26, 2026 | Deed of Trust, Mortgage · Line of Credit TOWER FCU |
| Mar 1, 2023 | Deed of Trust, Mortgage · Line of Credit TOWER FCU |
| Oct 4, 2021 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jan 21, 2021 | Deed of Trust, Mortgage · Line of Credit TOWER FCU |
| Oct 18, 2019 | Deed of Trust, Mortgage · VA Mortgage ACADEMY BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 7, 1996 · Amount on File |
| Deed Sale | Oct 7, 1996 · Amount on File |
| Prior Sale | Apr 10, 1996 · Amount on File |
| Deed Document Number | 199679181 |
| Deed Book / Page | 14419 / 482 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 23221 DAVIS MILL RD, GERMANTOWN, MD 20876-4547 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0701760272 |
|---|---|
| Date | Feb 26, 2026 |
| Book Page | 70176/272 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20707 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jan 25, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 23221 DAVIS MILL RD, GERMANTOWN, MD 20876-4547 |
| Transaction Type | Mortgage |
| Record Updated | Mar 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0667770470 |
|---|---|
| Date | Mar 1, 2023 |
| Book Page | 66777/470 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20707 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Feb 25, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 23221 DAVIS MILL RD, GERMANTOWN, MD 20876-4547 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2021 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 23221 DAVIS MILL RD, GERMANTOWN, MD 20876-4547 |
| Document Number | 0641830038 |
|---|---|
| Date | Oct 4, 2021 |
| Book Page | 64183/38 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 336 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 23221 DAVIS MILL RD, GERMANTOWN, MD 20876-4547 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0616640109 |
|---|---|
| Date | Jan 21, 2021 |
| Book Page | 61664/109 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20707 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 25, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 23221 DAVIS MILL RD, GERMANTOWN, MD 20876-4547 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CLASSIC SETTLEMENTS |
| Name | Verified Name |
|---|
| Document Number | 0583370175 |
|---|---|
| Date | Oct 18, 2019 |
| Book Page | 58337/175 |
| Name | ACADEMY BANK NA |
|---|---|
| Type | Bank |
| Address | OVERLAND PARK, KS 66210 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2049 |
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 | $849,233 (+8.88%) | $918,500 (-) Land $291,300 Building $627,200 | |
| 2025 | $828.00 (+28.17%) | $779,967 (+10.99%) | $918,500 (+29.24%) Land $291,300 Building $627,200 |
| 2023 | $702,733 | $710,700 Land $277,500 Building $433,200 | |
| 2022 | $646.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
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.
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 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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