25568 Joy Ln, Damascus, MD 20872 Property Records

Montgomery County property record for 25568 Joy Ln, Damascus, MD 20872

Property Summary

Property Type	Townhouse
Details	3 ba · 2,084 sqft · built 2009
Lot Size	0.041 acres (1,804 sqft)
Owner	2 Individual Names on Record
Last Sale	$394,936 (Aug 2020)
Tax Bill	$4,760 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-03624841`

Property Details

APN / Parcel Number

Primary APN	`12-03624841`
Alternative APN	`03624841`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,084 sqft Living Area
Gross Area	2,424 sqft
1st Floor Area	852 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	1,804 sqft (0.041 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	03624841
Street Address	25568 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	104
Jurisdiction	MONTGOMERY MD
Township / Civil Division	12
Census Block Group	1
Census Block	1001
Census Tract	700207

Owner

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 Record
Mailing Address	25568 JOY LN, DAMASCUS, MD 20872-2626
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2020	Deed, Transfer · FHA Mortgage TOWNEBANK MORTGAGE
May 17, 2017	Deed, Transfer · ARM UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2020 · Amount on Record
Deed Sale	Aug 5, 2020 · Amount on Record
Prior Sale	May 17, 2017 · Amount on Record
Deed Book / Page	60205 / 405
Prior Transfer Date	Sep 14, 2012
Prior Transfer Doc	0449400322
Record Updated	Sep 20, 2026

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Aug 5, 2020
Property Address	25568 JOY LN, DAMASCUS, MD 20872-2626
Document Number	0602050405
Book / Page	60205 / 405
Map Reference	MB 23754
Instrument Date	Jun 30, 2020
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	COMMONWEALTH LAND TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,936.70
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 by the Entirety
Address	25568 JOY LN, DAMASCUS, MD 20872-2626

Mortgage

Document Number	60205414
Date	Aug 5, 2020
Instrument	60205/414

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2050

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	May 17, 2017
Property Address	25568 JOY LN, DAMASCUS, MD 20872-2626
Document Number	0543070155
Book / Page	54307 / 155
Map Reference	MB23754
Instrument Date	May 1, 2017
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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
Relationship	Tenants by the Entirety
Address	25568 JOY LN, DAMASCUS, MD 20872-2626

Mortgage

Document Number	0054307161
Date	May 17, 2017
Instrument	54307/161

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jun 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.75%
Index	1-Year LIBOR

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		$463,400 (+6.87%)	$493,200 (-) Land $138,600 Building $354,600
2025	$4,760.00 (-5.31%)	$433,600 (+10.95%)	$493,200 (+22.14%) Land $138,600 Building $354,600
2024	$5,027.00 (+31.46%)
2023		$390,800	$403,800 Land $132,000 Building $271,800
2022	$3,824.00

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

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 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.

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 205 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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