Montgomery County property record for 4223 Headwaters Ln, Olney, MD 20832
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,918 sqft · built 1985 |
| Lot Size | 0.275 acres (11,998 sqft) |
| Owner | Company Name on Record |
| Last Sale | $256,250 (Jan 1998) |
| Tax Bill | $8,446 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-02404988 |
| Primary APN | 08-02404988 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,918 sqft Living Area |
| Gross Area | 4,338 sqft |
| 1st Floor Area | 1,936 sqft |
| Basement Area | 810 sqft |
| Finished Basement | 810 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Bi-Level |
| Exterior Material | Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 11,998 sqft (0.275 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 02404988 |
|---|---|
| Street Address | 4223 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 | 36 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 8 |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 701312 |
Source: Montgomery County records, as of August 17, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 4223 HEADWATERS LN, OLNEY, MD 20832-1750 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Aug 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage INTERCOASTAL MORTGAGE |
| May 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SANDY SPRING BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 21, 1998 · Amount on Record |
| Deed Sale | Jan 21, 1998 · Amount on Record |
| Deed Document Number | 1998109136 |
| Deed Book / Page | 15470 / 389 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 4223 HEADWATERS LN, OLNEY, MD 20832-1750 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4223 HEADWATERS LN, OLNEY, MD 20832-1750 |
| Document Number | 0661670164 |
|---|---|
| Date | Aug 22, 2022 |
| Book Page | 66167/164 |
| Name | INTERCOASTAL MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Sep 1, 2027 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3% |
| Max Rate At Change | 7% |
| Index | 5-Year CMT |
| Max Rate | 11% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 4223 HEADWATERS LN, OLNEY, MD 20832-1750 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE TOWN SETTLEMENTS LLC |
| Name | Verified Name |
|---|
| Document Number | 0596070022 |
|---|---|
| Date | May 19, 2020 |
| Book Page | 59607/22 |
| Name | SANDY SPRING BANK |
|---|---|
| Type | Bank |
| Address | OLNEY, MD 20832 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 1, 2050 |
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 | $765,267 (+2.39%) | $801,000 (+7.17%) Land $281,200 Building $519,800 | |
| 2025 | $8,446.00 (+37%) | $747,400 (+17%) Land $267,800 Building $479,600 | $747,400 (-) Land $267,800 Building $479,600 |
| 2023 | $638,800 | $747,400 Land $267,800 Building $479,600 | |
| 2022 | $6,165.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 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.
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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