25538 Joy Ln, Damascus, MD 20872 Property Records

Montgomery County property record for 25538 Joy Ln, Damascus, MD 20872

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,068 sqft · built 2009
Lot Size	0.06 acres (2,624 sqft)
Owner	2 Individual Names on File
Last Sale	$524,900 (May 2026)
Tax Bill	$4,613 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-03624704`

Property Details

APN / Parcel Number

Primary APN	`12-03624704`
Alternative APN	`03624704`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,068 sqft Living Area
Gross Area	2,408 sqft
1st Floor Area	836 sqft
Basement Area	396 sqft
Finished Basement	396 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,624 sqft (0.06 acres)
Garage Type	Attached
Garage Area	340 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	03624704
Street Address	25538 JOY LN
City	DAMASCUS
State	MD
Zip	20872-2626
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	RT8.0
Legal Description	MAGRUDERS OVERLOOK
Legal Subdivision	MAGRUDERS OVERLOOK
Legal Block	A
Legal Lot Number	93
Jurisdiction	MONTGOMERY MD
Township / Civil Division	12
Census Block Group	1
Census Block	1001
Census Tract	700207

Owner

25538 Joy Ln, a townhouse, is owned and occupied by two individuals who bought it in May 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	25538 JOY LN, DAMASCUS, MD 20872-2626
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2026 · Amount on File
Deed Sale	May 15, 2026 · Amount on File
Deed Book / Page	70489 / 37
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	May 15, 2026
Property Address	25538 JOY LN, DAMASCUS, MD 20872-2626
Document Number	7048000037
Book / Page	70489 / 37
Instrument Date	May 13, 2026
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	RGS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$530,149.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	25538 JOY LN, DAMASCUS, MD 20872-2626

Mortgage

Document Number	7048000044,
Date	May 15, 2026
Book Page	70489/44

Lender

Name	COASTAL MORTGAGE SERVICES INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 25538 Joy Ln was $4,613, down 5.7% 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		$449,700 (+6.87%)	$478,600 (-) Land $138,600 Building $340,000
2025	$4,613.00 (-5.66%)	$420,800	$478,600 Land $138,600 Building $340,000
2024	$4,890.00
2023		$383,400	$391,900 Land $132,000 Building $259,900
2022	$3,792.00

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

Flood

FEMA maps place 25538 Joy Ln in Zone X, an area of minimal flood risk.

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

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 25538 Joy Ln is low, with 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 111 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