Montgomery County property record for 4205 Headwaters Ln, Olney, MD 20832
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,532 sqft · built 1986 |
| Lot Size | 0.303 acres (13,187 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $7,274 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage Jan 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-02405015 |
| Primary APN | 08-02405015 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,532 sqft Living Area |
| Gross Area | 2,952 sqft |
| 1st Floor Area | 1,360 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Bi-Level |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 13,187 sqft (0.303 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 02405015 |
|---|---|
| Street Address | 4205 HEADWATERS LN |
| City | OLNEY |
| State | MD |
| Zip | 20832-1750 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R200 |
| Legal Description | OLNEY OAKS |
| Legal Subdivision | OLNEY OAKS |
| Legal Block | A |
| Legal Lot Number | 39 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 8 |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 701312 |
4205 Headwaters Ln is owned and occupied by an individual who acquired it in December 1998.
Source: Montgomery County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4205 HEADWATERS LN, OLNEY, MD 20832-1750 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE |
| Jan 12, 2018 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 30, 1998 |
| Deed Sale | Dec 30, 1998 |
| Prior Sale | Sep 2, 1993 · Amount on File |
| Deed Document Number | 1998140271 |
| Deed Book / Page | 16615 / 598 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 4205 HEADWATERS LN, OLNEY, MD 20832-1750 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | COMMONWEALTH LAND TTL INS CO |
| Name | Verified Name |
|---|
| Document Number | 0599310286 |
|---|---|
| Date | Jun 26, 2020 |
| Book Page | 59931/286 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23451 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 4205 HEADWATERS LN, OLNEY, MD 20832-1750 |
| Document Number | 0556140063 |
| Book / Page | 055614 / 000063 |
| Instrument Date | Jan 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2018 |
| Title Company | SECURITY AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 4205 HEADWATERS LN OLNEY MD 208321750, OLNEY, MD 20832-1750 |
| Document Number | 0556140063 |
|---|---|
| Date | Feb 6, 2018 |
| Book Page | 055614/000063 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 5, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
The 2025 property tax bill for 4205 Headwaters Ln was $7,274.
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 | $660,600 (+2.32%) | $690,600 (+6.97%) Land $284,800 Building $405,800 | |
| 2025 | $7,274.00 | $645,600 Land $271,200 Building $374,400 | $645,600 Land $271,200 Building $374,400 |
| 2023 | $558,867 | $645,600 Land $271,200 Building $374,400 | |
| 2022 | $5,404.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4205 Headwaters Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 2 (2015–2016) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Aug 2016 · 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 risk around 4205 Headwaters 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.
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 362 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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