101 Cedar Ave, Gaithersburg, MD 20877 Property Records

Montgomery County property record for 101 Cedar Ave, Gaithersburg, MD 20877

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,628 sqft · built 1928
Lot Size	0.179 acres (7,800 sqft)
Owner	2 Company Names on Record
Last Sale	$399,900 (Jul 2007)
Tax Bill	$6,482 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Feb 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-00841514`

Property Details

APN / Parcel Number

Primary APN	`09-00841514`
Alternative APN	`00841514`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,628 sqft Living Area
1st Floor Area	1,472 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Bi-Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,800 sqft (0.179 acres)
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Municipal

Location & Zoning

Account Number	00841514
Street Address	101 CEDAR AVE
City	GAITHERSBURG
State	MD
Zip	20877-1909
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R90
Legal Description	OBSERVATORY HGHTS ADD TO GAITHERSBURG
Legal Subdivision	OBSERVATORY HEIGHTS
Legal Block	1
Legal Lot Number	P25
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	1
Census Block	1010
Census Tract	700731

Owner

Source: Montgomery County records, as of August 17, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	11029 OLD ANNAPOLIS RD, FREDERICK, MD 21701-3339
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage HOMESPIRE MORTGAGE CORP
Feb 26, 2019	Deed of Trust, Mortgage · Line of Credit MID-ATLANTIC FCU
Dec 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage MID-ATLANTIC FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2007 · Amount on Record
Deed Sale	Jul 30, 2007 · Amount on Record
Prior Sale	Apr 14, 2004 · Amount on Record
Deed Document Number	200782024
Last Transfer Date	Jan 24, 2025
Record Updated	Sep 20, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	101 CEDAR AVE, GAITHERSBURG, MD 20877-1909
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0563270308
Date	Jul 18, 2018
Book Page	56327/308

Lender

Name	HOMESPIRE MORTGAGE CORP
Type	Mortgage Company
Address	GAITHERSBURG, MD 20878

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2048

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	101 CEDAR AVE, GAITHERSBURG, MD 20877-1909
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	LENDERLIVE SETTLEMENT SVCS I

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0572440472
Date	Feb 26, 2019
Book Page	57244/472

Lender

Name	MID-ATLANTIC FCU
Type	Credit Union
Address	GERMANTOWN, MD 20874

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	101 CEDAR AVE, GAITHERSBURG, MD 20877-1909
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	ELITE SETTLEMENTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 CEDAR AVE, GAITHERSBURG, MD 20877-1909

Mortgage

Document Number	0614580160
Date	Dec 29, 2020
Book Page	61458/160

Lender

Name	MID-ATLANTIC FCU
Type	Credit Union
Address	GERMANTOWN, MD 20874

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of August 17, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$490,600 (+5.9%) Land $185,800 Building $304,800	$490,600 (-) Land $185,800 Building $304,800
2025	$6,482.00 (+6.77%)	$463,267 (+13.38%)	$490,600 (+20.07%) Land $185,800 Building $304,800
2024	$6,071.00 (+26.22%)
2023		$408,600 Land $185,800 Building $222,800	$408,600 Land $185,800 Building $222,800
2022	$4,810.00

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 94% of Maryland
Wildfire Likelihood	Under 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 276 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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