4228 Headwaters Ln, Olney, MD 20832 Property Records

Montgomery County property record for 4228 Headwaters Ln, Olney, MD 20832

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,992 sqft · built 1985
Lot Size	0.276 acres (12,000 sqft)
Owner	2 Individual Names on File
Last Sale	$264,900 (Jun 1999)
Tax Bill	$7,457 (2025)
Deeds & Mortgages	Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-02404897`

Property Details

APN / Parcel Number

Primary APN	`08-02404897`
Alternative APN	`02404897`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,992 sqft Living Area
Gross Area	3,412 sqft
1st Floor Area	1,220 sqft
Basement Area	860 sqft
Finished Basement	860 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Bi-Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,000 sqft (0.276 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	192 sqft
Deck Area	648 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02404897
Street Address	4228 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	27
Jurisdiction	MONTGOMERY MD
Township / Civil Division	8
Census Block Group	2
Census Block	2006
Census Tract	701312

Owner

4228 Headwaters Ln is owned and occupied by two individuals who bought it in June 1999.

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

Owner of Record	2 Individual Names on File
Mailing Address	4228 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 1999 · Amount on File
Deed Sale	Jun 29, 1999 · Amount on File
Prior Sale	Feb 27, 1997
Deed Document Number	1999151944
Deed Book / Page	17242 / 475
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	4228 HEADWATERS LN, OLNEY, MD 20832-1750
Transaction Type	Mortgage
Record Updated	Feb 24, 2022
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4228 HEADWATERS LN, OLNEY, MD 20832-1750

Mortgage

Document Number	0652280373
Date	Feb 10, 2022
Book Page	65228/373

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	227 Months
Due	Jan 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 4228 Headwaters Ln was $7,457.

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		$676,967 (+2.34%)	$707,900 (+7.01%) Land $281,200 Building $426,700
2025	$7,457.00	$661,500 Land $267,800 Building $393,700	$661,500 Land $267,800 Building $393,700
2023		$570,833	$661,500 Land $267,800 Building $393,700
2022	$5,514.00

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

Flood

FEMA maps place 4228 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

Wildfire risk around 4228 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.

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 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