Montgomery County property record for 9651 Watkins Rd, Gaithersburg, MD 20882
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,386 sqft · built 1999 |
| Lot Size | 2.16 acres (94,525 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $71,500 (Oct 1998) |
| Tax Bill | $7,938 (2025) |
| Deeds & Mortgages | Jun 2017 Mortgage Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-03234575 |
| Primary APN | 12-03234575 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,386 sqft Living Area |
| Gross Area | 4,187 sqft |
| 1st Floor Area | 1,916 sqft |
| Basement Area | 361 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Bi-Level |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 94,525 sqft |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 271 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 03234575 |
|---|---|
| Street Address | 9651 WATKINS RD |
| City | GAITHERSBURG |
| State | MD |
| Zip | 20882-1525 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RE2 |
| Legal Description | WILDERNESS WALK |
| Legal Subdivision | LOCUST LEVEL |
| Legal Block | 1 |
| Legal Lot Number | 41 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 12 |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 700209 |
9651 Watkins Rd is owned and occupied by two individuals who bought it in October 1998.
Source: Montgomery County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9651 WATKINS RD, GAITHERSBURG, MD 20882-1525 |
| 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.
| Date | Document |
|---|---|
| Jun 21, 2017 | Deed of Trust, Mortgage · Commercial Mortgage JPMORGAN CHASE BANK NA |
| Jul 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NATIONAL INSTITUTES OF HEALTH FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 6, 1998 · Amount on File |
| Deed Sale | Oct 6, 1998 · Amount on File |
| Deed Document Number | 1998127920 |
| Deed Book / Page | 16318 / 562 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 9651 WATKINS RD, GAITHERSBURG, MD 20882-1525 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0544830108 |
|---|---|
| Date | Jun 21, 2017 |
| Book Page | 54483/108 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 417 Months |
| Due | Mar 22, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 9651 WATKINS RD, GAITHERSBURG, MD 20882-1525 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | COMMONWEALTH LAND TTL INS CO |
| Name | Verified Name |
|---|---|
| Address | 9651 WATKINS RD, GAITHERSBURG, MD 20882-1525 |
| Document Number | 0601370486 |
|---|---|
| Date | Jul 27, 2020 |
| Book Page | 60137/486 |
| Name | NATIONAL INSTITUTES OF HEALTH FCU |
|---|---|
| Type | Credit Union |
| Address | ROCKVILLE, MD 20850 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2050 |
The 2025 property tax bill for 9651 Watkins Rd was $7,938.
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 | $746,133 (+8.88%) | $807,000 (-) Land $256,400 Building $550,600 | |
| 2025 | $7,938.00 | $685,267 | $807,000 Land $256,400 Building $550,600 |
| 2023 | $615,433 | $624,400 Land $244,200 Building $380,200 | |
| 2022 | $6,587.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9651 Watkins 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 | 1 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 risk around 9651 Watkins Rd 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 | Direct burnable vegetation |
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 42 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 |
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