1 Bell Tower Ct, Gaithersburg, MD 20879 Property Records

Montgomery County property record for 1 Bell Tower Ct, Gaithersburg, MD 20879 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,929 sqft · built 1989
Lot Size	0.247 acres (10,777 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Apr 2017)
Tax Bill	$7,210 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-02772291`

Property Details

APN / Parcel Number

Primary APN	`09-02772291`
Alternative APN	`02772291`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,929 sqft Living Area
Gross Area	3,370 sqft
1st Floor Area	1,145 sqft
Basement Area	700 sqft
Finished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Bi-Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,777 sqft (0.247 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	48 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02772291
Street Address	1 BELL TOWER CT
City	GAITHERSBURG
State	MD
Zip	20879-1784
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FLOWER HILL
Legal Subdivision	FLOWER HILL
Legal Block	CC
Legal Lot Number	12
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	2
Census Block	2000
Census Tract	700730

Owner

Source: Montgomery County records · APN 09-02772291

Assessment roll updated August 17, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	1 BELL TOWER CT, GAITHERSBURG, MD 20879-1784
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2020	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Feb 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
May 18, 2018	Quit Claim Deed, Transfer PASSPORT TITLE SERVICES LLC
Apr 07, 2017	Grant Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 07, 2017 · Amount on Record
Deed Sale	Apr 07, 2017 · Amount on Record
Prior Sale	Nov 18, 1992 · Amount on Record
Deed Book / Page	54093 / 180
Last Transfer Date	Mar 26, 2018
Transfer Doc	0560380223
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	1 BELL TOWER CT, GAITHERSBURG, MD 20879-1784
Transaction Type	Mortgage
Record Updated	May 03, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0607560133
Date	Oct 14, 2020
Book Page	60756/133

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 01, 2050

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	1 BELL TOWER CT, GAITHERSBURG, MD 20879-1784
Transaction Type	Mortgage
Record Updated	May 03, 2022
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 BELL TOWER CT, GAITHERSBURG, MD 20879-1784

Mortgage

Document Number	0653000025
Date	Feb 24, 2022
Book Page	65300/25

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 01, 2042

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY MD
Recording Date	May 18, 2018
Property Address	1 BELL TOWER CT, GAITHERSBURG, MD 20879-1784
Document Number	0560380223
Book / Page	056038 / 000223
Instrument Date	Mar 26, 2018
Transaction Type	Transfer
Record Updated	Jun 01, 2018
Title Company	PASSPORT TITLE SERVICES LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1 BELL TOWER CT GAITHERSBURG MD 208791784, GAITHERSBURG, MD 20879-1784

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Apr 07, 2017
Property Address	1 BELL TOWER CT, GAITHERSBURG, MD 20879-1784
Document Number	0540930180
Book / Page	054093 / 000180
Instrument Date	Apr 03, 2017
Transaction Type	Transfer
Record Updated	Apr 19, 2017
Title Company	PASSPORT TITLE SERVICES LLC, PASSPORT TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	1 BELL TOWER CT GAITHERSBURG MD 208791784, GAITHERSBURG, MD 20879-1784

Mortgage

Document Number	540930188
Date	Apr 07, 2017
Book Page	054093/000188

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 06, 2047

Tax Assessment & Valuation

Source: Montgomery County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Montgomery County
Unified School District	Montgomery County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$617,000 (+6.4%) Land $160,200 Building $456,800	$617,000 (-) Land $160,200 Building $456,800
2025	$7,210.00 (+7.69%)	$579,867 (+14.69%)	$617,000 (+22.03%) Land $160,200 Building $456,800
2024	$6,695.00 (+30.74%)
2023		$505,600 Land $160,200 Building $345,400	$505,600 Land $160,200 Building $345,400
2022	$5,121.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Montgomery County (24031C), updated April 12, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240317007302, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 558 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fiber	2,300 / 2,300
Xfinity	Cable	2,000 / 250

May also be available at this address: T-Mobile USA, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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