4239 Headwaters Ln, Olney, MD 20832 Property Records

Montgomery County property record for 4239 Headwaters Ln, Olney, MD 20832

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,112 sqft · built 1985
Lot Size	0.339 acres (14,777 sqft)
Owner	2 Individual Names on File
Last Sale	$579,900 (Apr 2016)
Tax Bill	$8,949 (2025)
Deeds & Mortgages	Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-02404944`

Property Details

APN / Parcel Number

Primary APN	`08-02404944`
Alternative APN	`02404944`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,112 sqft Living Area
Gross Area	3,532 sqft
1st Floor Area	1,360 sqft
Basement Area	580 sqft
Finished Basement	580 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	14,777 sqft (0.339 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	192 sqft
Deck Area	518 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02404944
Street Address	4239 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	32
Jurisdiction	MONTGOMERY MD
Township / Civil Division	8
Census Block Group	2
Census Block	2006
Census Tract	701312

Owner

4239 Headwaters Ln is owned and occupied by two individuals who bought it in April 2016.

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 File
Mailing Address	4239 HEADWATERS LN, OLNEY, MD 20832-1750
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2016 · Amount on File
Deed Sale	Apr 29, 2016 · Amount on File
Prior Sale	Jun 14, 2011 · Amount on File
Deed Book / Page	51984 / 149
Transfer Doc	0305190469
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	4239 HEADWATERS LN, OLNEY, MD 20832-1750
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4239 HEADWATERS LN, OLNEY, MD 20832-1750

Mortgage

Document Number	0633530140
Date	Jun 25, 2021
Book Page	63353/140

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 4239 Headwaters Ln was $8,949, up 8.3% 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		$748,533 (+2.4%)	$783,600 (+7.2%) Land $289,700 Building $493,900
2025	$8,949.00 (+8.29%)	$731,000 Land $275,900 Building $455,100	$731,000 Land $275,900 Building $455,100
2024	$8,264.00
2023		$627,000	$731,000 Land $275,900 Building $455,100
2022	$6,060.00

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

Flood

FEMA maps place 4239 Headwaters Ln in Zone X, an area of minimal flood risk, within 500 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 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.

Wildfire

Wildfire risk around 4239 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