Montgomery County property record for 10203 Gardiner Ave, Silver Spring, MD 20902
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,022 sqft · built 1949 |
| Lot Size | 0.171 acres (7,438 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $240,000 (Mar 2012) |
| Tax Bill | $6,210 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Oct 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-01104592 |
| Primary APN | 13-01104592 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,022 sqft Living Area |
| Gross Area | 2,120 sqft |
| 1st Floor Area | 1,032 sqft |
| Basement Area | 594 sqft |
| Finished Basement | 594 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Architectural Style | Multi-Level |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 7,438 sqft (0.171 acres) |
| Patio Area | 98 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 01104592 |
|---|---|
| Street Address | 10203 GARDINER AVE |
| City | SILVER SPRING |
| State | MD |
| Zip | 20902-5017 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R60 |
| Legal Description | CARROLL KNOLLS |
| Legal Subdivision | CARROLL KNOLLS OSTROWS SUB |
| Legal Block | L |
| Legal Lot Number | 20 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 13 |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 704000 |
10203 Gardiner Ave is owned and occupied by two individuals who acquired it in October 2013.
Source: Montgomery County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10203 GARDINER AVE, SILVER SPRING, MD 20902-5017 |
| 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 15, 2026 | Deed of Trust, Mortgage · Conventional Mortgage OCMBC INC |
| Oct 27, 2022 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Sep 19, 2018 | Deed of Trust, Mortgage · Conventional Mortgage PRECISION MORTGAGE LLC |
| Aug 29, 2019 | Deed of Trust, Mortgage · Conventional Mortgage PRECISION MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 14, 2012 · Amount on File |
| Deed Sale | Mar 14, 2012 · Amount on File |
| Prior Sale | Sep 1, 2005 · Amount on File |
| Deed Book / Page | 43523 / 14 |
| Last Transfer Date | Oct 25, 2013 |
| Transfer Doc | 0483620230 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Jun 15, 2026 |
| Property Address | 10203 GARDINER AVE, SILVER SPRING, MD 20902-5017 |
| Document Number | 7061000426 |
| Book / Page | 70611 / 426 |
| Instrument Date | Jun 9, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ELITE SETTLEMENTS LLC, ELITE SETTLEMENTS |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 10203 GARDINER AVE, SILVER SPRING, MD 20902-5017 |
| Document Number | 7061000426, |
|---|---|
| Date | Jun 15, 2026 |
| Book Page | 70611/426 |
| Name | OCMBC INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 10203 GARDINER AVE, SILVER SPRING, MD 20902-5017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2022 |
| Name | Verified Name |
|---|---|
| Address | 10203 GARDINER AVE, SILVER SPRING, MD 20902-5017 |
| Document Number | 0664350063 |
|---|---|
| Date | Oct 27, 2022 |
| Book Page | 66435/63 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 26, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 10203 GARDINER AVE, SILVER SPRING, MD 20902-5017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2021 |
| Title Company | .SETTLEMENT MANAGEMENT SERVI |
| Name | Verified Name |
|---|
| Document Number | 0566310201 |
|---|---|
| Date | Sep 19, 2018 |
| Book Page | 56631/201 |
| Name | PRECISION MORTGAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | VIENNA, VA 22182 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 10203 GARDINER AVE, SILVER SPRING, MD 20902-5017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0580870316 |
|---|---|
| Date | Aug 29, 2019 |
| Book Page | 58087/316 |
| Name | PRECISION MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ROCKVILLE, MD 20850 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Jun 1, 2049 |
The 2025 property tax bill for 10203 Gardiner Ave was $6,210, up 7.8% from the year before.
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 | $499,933 (+6.74%) | $531,500 (-) Land $287,600 Building $243,900 | |
| 2025 | $6,210.00 (+7.83%) | $468,367 | $531,500 Land $287,600 Building $243,900 |
| 2024 | $5,759.00 | ||
| 2023 | $420,933 | $436,800 Land $262,600 Building $174,200 | |
| 2022 | $4,431.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10203 Gardiner Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2021.
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 | 2 in force |
| Nearby Flood Claims | 2 (2021–2025) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2025 · rainfall accumulation |
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 10203 Gardiner Ave 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 99.1% of the US · lower than 98.5% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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 600 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 / 2,000 |
| Astound Broadband Cable | 1,500 / 50 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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