Montgomery County property record for 8909 Saddle Ln, Potomac, MD 20854
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,048 sqft · built 1973 |
| Lot Size | 0.244 acres (10,622 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,804 (2025) |
| Deeds & Mortgages | Jul 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-00140297 |
| Primary APN | 04-00140297 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,048 sqft Living Area |
| Gross Area | 2,510 sqft |
| 1st Floor Area | 1,232 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Bi-Level |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 10,622 sqft (0.244 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 136 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 00140297 |
|---|---|
| Street Address | 8909 SADDLE LN |
| City | POTOMAC |
| State | MD |
| Zip | 20854-2370 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R200 |
| Legal Description | POTOMAC COMMONS SEC 5 |
| Legal Subdivision | POTOMAC COMMONS |
| Legal Block | V |
| Legal Lot Number | 13 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 4 |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 701210 |
8909 Saddle Ln is owned and occupied by two individuals.
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 | 8909 SADDLE LN, POTOMAC, MD 20854-2370 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 8909 SADDLE LN, ROCKVILLE, MD 20854-2370 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0562600165 |
|---|---|
| Date | Jul 2, 2018 |
| Book Page | 56260/165 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | HERMITAGE, PA 16148 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 263 Months |
| Due | Jun 1, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 8909 Saddle Ln was $8,804.
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 | $813,100 (+6.35%) Land $397,300 Building $415,800 | $813,100 (-) Land $397,300 Building $415,800 | |
| 2025 | $8,804.00 | $764,533 | $813,100 Land $397,300 Building $415,800 |
| 2023 | $667,400 Land $378,400 Building $289,000 | $667,400 Land $378,400 Building $289,000 | |
| 2022 | $6,010.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8909 Saddle Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
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 | 4 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 2024 · rainfall accumulation |
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 8909 Saddle 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 | Indirect within 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 395 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 |
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