8912 Bells Mill Rd, Potomac, MD 20854 Property Records

Montgomery County property record for 8912 Bells Mill Rd, Potomac, MD 20854

Property Summary

Property Type	Single Family Home
Details	7 ba · 7,728 sqft · built 2009
Lot Size	0.387 acres (16,836 sqft)
Owner	2 Individual Names on File
Last Sale	$1,935,430 (Feb 2009)
Tax Bill	$20,728 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-03583738`

Property Details

APN / Parcel Number

Primary APN	`10-03583738`
Alternative APN	`03583738`

Interior

Full Baths	7 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	7,728 sqft Living Area
Gross Area	8,567 sqft
1st Floor Area	2,873 sqft
Attic	Attic
Attic Area	760 sqft
Basement Area	2,000 sqft
Finished Basement	2,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Bi-Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	16,836 sqft (0.387 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	643 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	196 sqft
Deck Area	70 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	03583738
Street Address	8912 BELLS MILL RD
City	POTOMAC
State	MD
Zip	20854-2219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R200
Legal Description	KENTSDALE ESTATES
Legal Subdivision	KENTSDALE ESTATES
Legal Block	D
Legal Lot Number	49
Jurisdiction	MONTGOMERY MD
Township / Civil Division	10
Census Block Group	1
Census Block	1000
Census Tract	706005

Owner

8912 Bells Mill Rd is owned and occupied by two individuals who bought it in February 2009.

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	8912 BELLS MILL RD, POTOMAC, MD 20854-2219
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC
Oct 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU OF MARYLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2009 · Amount on File
Deed Sale	Feb 19, 2009 · Amount on File
Deed Document Number	20094634
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	8912 BELLS MILL RD, POTOMAC, MD 20854-2219
Transaction Type	Mortgage
Record Updated	Jan 5, 2022
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0625430190
Date	Apr 13, 2021
Book Page	62543/190

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	8912 BELLS MILL RD, POTOMAC, MD 20854-2219
Transaction Type	Mortgage
Record Updated	Mar 1, 2021
Title Company	CERTIFIED TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0608060173
Date	Oct 19, 2020
Book Page	60806/173

Lender

Name	STATE EMPLOYEES CU OF MARYLAND
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 8912 Bells Mill Rd was $20,728.

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		$1,946,333 (+8.81%)	$2,261,600 (+26.44%) Land $644,900 Building $1,616,700
2025	$20,728.00	$1,788,700 Land $644,900 Building $1,143,800	$1,788,700 Land $644,900 Building $1,143,800
2023		$1,788,700 Land $644,900 Building $1,143,800	$1,788,700 Land $644,900 Building $1,143,800
2022	$20,569.00

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

Flood

FEMA maps place 8912 Bells Mill Rd in Zone X, an area of minimal flood risk.

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	8 in force

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 8912 Bells Mill Rd is low, with less than 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 94% of the US · lower than 87% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 230 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

May also be available: T-Mobile.

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