102 James St, Gaithersburg, MD 20877 Property Records

Montgomery County property record for 102 James St, Gaithersburg, MD 20877

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,344 sqft · built 1922
Lot Size	0.192 acres (8,355 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (Mar 1995)
Tax Bill	$3,968 (2025)
Deeds & Mortgages	Aug 2026 Transfer Aug 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-00841241`

Property Details

APN / Parcel Number

Primary APN	`09-00841241`
Alternative APN	`00841241`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,344 sqft Living Area
Gross Area	1,452 sqft
1st Floor Area	672 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Architectural Style	Bi-Level
Exterior Material	Stucco
Roof Type	Sawtooth
Roof Material	Metal
Lot Area	8,355 sqft (0.192 acres)
Garage Type	Detached
Garage Area	330 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	276 sqft
Deck Area	300 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	00841241
Street Address	102 JAMES ST
City	GAITHERSBURG
State	MD
Zip	20877-1914
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R90
Legal Description	OBSERVATORY HGTS
Legal Subdivision	OBSERVATORY HEIGHTS
Legal Block	1
Legal Lot Number	16
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	1
Census Block	1003
Census Tract	700731

Owner

102 James St is owned and occupied by two individuals who acquired it in August 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	102 JAMES ST, GAITHERSBURG, MD 20877-1914
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Quit Claim Deed, Transfer AMC SETTLEMENT SERVICES LLC, AMC SETTLEMENT SERVICES
Aug 27, 2026	Quit Claim Deed, Transfer · Conventional Mortgage RELIANCE FIRST CAPITAL
Dec 16, 2016	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE LINK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 1995 · Amount on File
Deed Sale	Mar 13, 1995 · Amount on File
Deed Book / Page	13295 / 586
Last Transfer Date	Aug 21, 2026
Transfer Doc	7087000298
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Aug 27, 2026
Property Address	102 JAMES ST, GAITHERSBURG, MD 20877-1914
Document Number	7087000298
Book / Page	70876 / 298
Instrument Date	Aug 21, 2026
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	AMC SETTLEMENT SERVICES LLC, AMC SETTLEMENT SERVICES

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	102 JAMES ST, GAITHERSBURG, MD 20877-1914

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Aug 27, 2026
Property Address	102 JAMES ST, GAITHERSBURG, MD 20877-1914
Document Number	7087000292
Book / Page	70876 / 292
Instrument Date	Aug 21, 2026
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	AMC SETTLEMENT SERVICES LLC, AMC SETTLEMENT SERVICES

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 JAMES ST, GAITHERSBURG, MD 20877-1914

Mortgage

Document Number	7087000304,
Date	Aug 27, 2026
Book Page	70876/304

Lender

Name	RELIANCE FIRST CAPITAL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	102 JAMES ST, GAITHERSBURG, MD 20877-1914
Document Number	0536610034
Book / Page	053661 / 000034
Instrument Date	Dec 16, 2016
Transaction Type	Mortgage
Record Updated	Mar 3, 2017
Title Company	MICHAELS TITLE AND ESCROW LLC, MICHAELS TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	102 JAMES ST GAITHERSBURG MD 208771914, GAITHERSBURG, MD 20877-1914

Mortgage

Document Number	0536610034
Date	Jan 27, 2017
Book Page	053661/000034

Lender

Name	MORTGAGE LINK
Type	Mortgage Company
Address	ROCKVILLE, MD 20850

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 26, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 102 James St was $3,968.

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		$333,200 (+3.1%) Land $188,000 Building $145,200	$333,200 (-) Land $188,000 Building $145,200
2025	$3,968.00	$323,167	$333,200 Land $188,000 Building $145,200
2023		$303,100 Land $188,000 Building $115,100	$303,100 Land $188,000 Building $115,100
2022	$3,387.00

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

Flood

FEMA maps place 102 James St 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

Wildfire risk around 102 James St 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 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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