Montgomery County property record for 10115 Gardiner Ave, Silver Spring, MD 20902
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,341 sqft · built 1947 |
| Lot Size | 0.188 acres (8,206 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $506,760 (Jun 2021) |
| Tax Bill | $5,589 (2025) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-01126097 |
| Primary APN | 13-01126097 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,341 sqft Living Area |
| 1st Floor Area | 733 sqft |
| Basement Area | 300 sqft |
| Finished Basement | 300 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Architectural Style | Multi-Level |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 8,206 sqft (0.188 acres) |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 01126097 |
|---|---|
| Street Address | 10115 GARDINER AVE |
| City | SILVER SPRING |
| State | MD |
| Zip | 20902-5107 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R60 |
| Legal Description | MCKENNEY HILLS |
| Legal Subdivision | MCKENNEY HILLS |
| Legal Block | H |
| Legal Lot Number | 15 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 13 |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 704000 |
Source: Montgomery County records · APN 13-01126097
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 | 10115 GARDINER AVE, SILVER SPRING, MD 20902-5107 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 21, 2021 | Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC |
| Mar 15, 2021 | Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE |
| Oct 22, 2018 | Loan Modification, Mortgage · Conventional Mortgage JP MORGAN CHASE BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 21, 2021 · Amount on Record |
| Deed Sale | Jun 21, 2021 · Amount on Record |
| Prior Sale | Feb 11, 2011 · Amount on Record |
| Deed Book / Page | 63302 / 21 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Jun 21, 2021 |
| Property Address | 10115 GARDINER AVE, SILVER SPRING, MD 20902-5107 |
| Document Number | 0633020021 |
| Book / Page | 63302 / 21 |
| Map Reference | MB 27 PL 1700 |
| Instrument Date | Jun 07, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jul 01, 2021 |
| Title Company | KVS TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,601.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10115 GARDINER AVE, SILVER SPRING, MD 20902-5107 |
| Document Number | 6330228 |
|---|---|
| Date | Jun 21, 2021 |
| Instrument | 63302/28 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 10115 GARDINER AVE, SILVER SPRING, MD 20902-5107 |
| Transaction Type | Mortgage |
| Record Updated | May 31, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 101115 GARDINER AVE, SILVER SPRING, MD 20902 |
| Document Number | 0621950380 |
|---|---|
| Date | Mar 15, 2021 |
| Book Page | 62195/380 |
| Name | MIDLAND MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 330 Months |
| Due | Sep 01, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 10115 GARDINER AVE, SILVER SPRING, MD 20902-5107 |
| Document Number | 0568270414 |
| Instrument Date | Oct 22, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2018 |
| Name | Verified Name |
|---|---|
| Address | 10115 GARDINER AVE SILVER SPRING MD 209025107, SILVER SPRING, MD 20902-5107 |
| Document Number | 0568270414 |
|---|---|
| Date | Nov 01, 2018 |
| Book Page | 056827/000414 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | MONROE, LA 71203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 31, 2048 |
| Rate | 4.37% |
|---|
Source: Montgomery County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Montgomery County |
| Unified School District | Montgomery County Public Schools (PK - 12) |
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 | $480,333 (+1.22%) | $486,100 (-) Land $291,600 Building $194,500 | |
| 2025 | $5,589.00 (+10.43%) | $474,567 (+1.95%) | $486,100 (+3.69%) Land $291,600 Building $194,500 |
| 2023 | $465,500 | $468,800 Land $291,600 Building $177,200 | |
| 2022 | $5,061.00 |
Source: FEMA National Flood Hazard Layer as of April 12, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (2021–2025) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2025 · rainfall accumulation |
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.5% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 2,000 |
| Radiate Holdings Cable | 1,500 / 50 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 600 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WASHINGTON SUBURBAN SANITARY COMMISSION serves 1,900,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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