Montgomery County property record for 10215 Gardiner Ave, Silver Spring, MD 20902
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,727 sqft · built 1949 |
| Lot Size | 0.186 acres (8,113 sqft) |
| Owner | Individual Name on File |
| Last Sale | $588,000 (Oct 2022) |
| Tax Bill | $5,846 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Oct 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-01105211 |
| Primary APN | 13-01105211 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,727 sqft Living Area |
| 1st Floor Area | 987 sqft |
| Basement Area | 740 sqft |
| Finished Basement | 740 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Architectural Style | Townhouse |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 8,113 sqft (0.186 acres) |
| Porch | Open Porch |
| Porch Area | 108 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 01105211 |
|---|---|
| Street Address | 10215 GARDINER AVE |
| City | SILVER SPRING |
| State | MD |
| Zip | 20902-5034 |
| 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 | H |
| Legal Lot Number | 25 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 13 |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 704000 |
10215 Gardiner Ave is owned and occupied by an individual who bought it in October 2022.
Source: Montgomery County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10215 GARDINER AVE, SILVER SPRING, MD 20902-5034 |
| 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 |
|---|---|
| Apr 1, 2021 | Deed of Trust, Mortgage · VA Mortgage MERIDIAN BANK |
| Oct 5, 2022 | Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 11, 2020 | Deed of Trust, Mortgage · VA Mortgage CITIZENS BANK NA |
| Jun 7, 2017 | Grant Deed, Transfer · VA Mortgage APEX HM LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 5, 2022 · Amount on File |
| Deed Sale | Oct 5, 2022 · Amount on File |
| Prior Sale | Jun 7, 2017 · Amount on File |
| Deed Book / Page | 66334 / 456 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 10215 GARDINER AVE, SILVER SPRING, MD 20902-5034 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2023 |
| Title Company | SETTLEMENT INK INC, SETTLEMENT INK |
| Name | Verified Name |
|---|---|
| Address | 10215 GARDINER AVE, SILVER SPRING, MD 20902-5034 |
| Document Number | 0623820020 |
|---|---|
| Date | Apr 1, 2021 |
| Book Page | 62382/20 |
| Name | MERIDIAN BANK |
|---|---|
| Type | Bank |
| Address | BLUE BELL, PA 19422 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Oct 5, 2022 |
| Property Address | 10215 GARDINER AVE, SILVER SPRING, MD 20902-5034 |
| Document Number | 0663340456 |
| Book / Page | 66334 / 456 |
| Map Reference | MB 31 PL 1932 |
| Instrument Date | Sep 30, 2022 |
| Transaction Type | Transfer |
| Record Updated | Sep 8, 2023 |
| Title Company | COMMONWEALTH LAND TITLE INSURANCE COMPANY, COMMONWEALTH LAND TTL INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,470.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 10215 GARDINER AVE, SILVER SPRING, MD 20902-5034 |
| Document Number | 0066334463 |
|---|---|
| Date | Oct 5, 2022 |
| Instrument | 66334/463 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 10215 GARDINER AVE, SILVER SPRING, MD 20902-5034 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | SETTLEMENT INK INC |
| Name | Verified Name |
|---|
| Document Number | 0590210477 |
|---|---|
| Date | Feb 11, 2020 |
| Book Page | 59021/477 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Jun 7, 2017 |
| Property Address | 10215 GARDINER AVE, SILVER SPRING, MD 20902-5034 |
| Document Number | 0544020111 |
| Book / Page | 054402 / 000111 |
| Instrument Date | Jun 2, 2017 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2019 |
| Title Company | COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE INS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $495.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10215 GARDINER AVE SILVER SPRING MD 209025034, SILVER SPRING, MD 20902-5034 |
| Document Number | 544020118 |
|---|---|
| Date | Jun 7, 2017 |
| Book Page | 054402/000118 |
| Name | APEX HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | ROCKVILLE, MD 20852 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 6, 2047 |
The 2025 property tax bill for 10215 Gardiner Ave was $5,846.
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 | $543,167 (+9.19%) | $588,900 (-) Land $291,100 Building $297,800 | |
| 2025 | $5,846.00 | $497,433 | $588,900 Land $291,100 Building $297,800 |
| 2023 | $451,700 (-) Land $266,100 Building $185,600 | $451,700 (-) Land $266,100 Building $185,600 | |
| 2022 | $4,945.00 Homeowner's exemption | $451,700 Land $266,100 Building $185,600 | $451,700 Land $266,100 Building $185,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10215 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 10215 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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