1025 Main St, Gaithersburg, MD 20878 Property Records

Montgomery County property record for 1025 Main St, Gaithersburg, MD 20878

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,444 sqft · built 2002
Lot Size	0.046 acres (2,000 sqft)
Owner	2 Individual Names on File
Last Sale	$632,000 (Nov 2018)
Tax Bill	$8,220 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-03320918`

Property Details

APN / Parcel Number

Primary APN	`09-03320918`
Alternative APNs	`903320918` `03320918`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,444 sqft Living Area
1st Floor Area	952 sqft
Basement Area	540 sqft
Finished Basement	540 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,000 sqft (0.046 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	03320918
Street Address	1025 MAIN ST
City	GAITHERSBURG
State	MD
Zip	20878-5586
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	MXD
Legal Description	LAKELANDS PH 2 SEC 1
Legal Subdivision	LAKELANDS
Legal Phase	2
Legal Block	P
Legal Lot Number	74
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	4
Census Block	4023
Census Tract	700826

Owner

1025 Main St, a townhouse, is owned and occupied by two individuals who bought it in November 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	1025 MAIN ST, GAITHERSBURG, MD 20878-5586
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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
Mar 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage SANDY SPRING BANK
Jan 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Nov 16, 2018	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2018 · Amount on File
Deed Sale	Nov 16, 2018 · Amount on File
Prior Sale	Aug 29, 2014 · Amount on File
Deed Book / Page	56881 / 495
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	1025 MAIN ST, GAITHERSBURG, MD 20878-5586
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	TITLE TOWN SETTLEMENTS, TITLE TOWN SETTLEMENTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1025 MAIN ST, GAITHERSBURG, MD 20878-5586

Mortgage

Document Number	0623070132
Date	Mar 24, 2021
Book Page	62307/132

Lender

Name	SANDY SPRING BANK
Type	Bank
Address	OLNEY, MD 20832

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	1025 MAIN ST, GAITHERSBURG, MD 20878-5586
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0588390211
Date	Jan 9, 2020
Book Page	58839/211

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jan 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Nov 16, 2018
Property Address	1025 MAIN ST, GAITHERSBURG, MD 20878-5586
Document Number	0568810495
Book / Page	56881 / 495
Map Reference	PL21700
Instrument Date	Aug 16, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	COMMONWEALTH LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	942 ROCKBORN ST, 942, GAITHERSBURG, MD 20878-2198

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1025 MAIN ST, GAITHERSBURG, MD 20878-5586

Mortgage

Document Number	0056881503
Date	Nov 16, 2018
Instrument	56881/503

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1025 Main St was $8,220.

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		$679,900 (+3.02%) Land $300,000 Building $379,900	$679,900 (-) Land $300,000 Building $379,900
2025	$8,220.00	$660,000	$679,900 Land $300,000 Building $379,900
2023		$620,200 Land $300,000 Building $320,200	$620,200 Land $300,000 Building $320,200
2022	$7,258.00

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

Flood

FEMA maps place 1025 Main 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

The area around 1025 Main St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 864 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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