10314 Insley St, Silver Spring, MD 20902 Property Records

Montgomery County property record for 10314 Insley St, Silver Spring, MD 20902

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,694 sqft · built 1951
Lot Size	0.225 acres (9,820 sqft)
Owner	2 Individual Names on Record
Last Sale	$430,000 (Feb 2017)
Tax Bill	$5,933 (2025)
Deeds & Mortgages	Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-01099596`

Property Details

APN / Parcel Number

Primary APN	`13-01099596`
Alternative APN	`01099596`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,694 sqft Living Area
1st Floor Area	968 sqft
Basement Area	726 sqft
Finished Basement	726 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Townhouse
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	9,820 sqft (0.225 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	01099596
Street Address	10314 INSLEY ST
City	SILVER SPRING
State	MD
Zip	20902-4931
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	X
Legal Lot Number	9
Jurisdiction	MONTGOMERY MD
Township / Civil Division	13
Census Block Group	3
Census Block	3005
Census Tract	704000

Owner

Source: Montgomery County records, as of August 17, 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 Record
Mailing Address	303 HOGANS VALLEY WAY, CARY, NC 27513-5682
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2017 · Amount on Record
Deed Sale	Feb 15, 2017 · Amount on Record
Prior Sale	May 16, 2016 · Amount on Record
Deed Book / Page	53817 / 484
Record Updated	Sep 20, 2026

February 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Feb 15, 2017
Property Address	10314 INSLEY ST, SILVER SPRING, MD 20902-4931
Document Number	0538170484
Book / Page	53817 / 484
Map Reference	MB37 PL2616
Instrument Date	Jan 20, 2017
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	STEWART TITLE OF MARYLAND IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 HOGANS VALLEY WAY, CARY, NC 27513-5682

Mortgage

Document Number	0053817500
Date	Feb 15, 2017
Instrument	53817/500

Lender

Name	POTOMAC MORTGAGE GROUP LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Montgomery County
Unified School District	Montgomery County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$476,067 (+5.62%)	$501,400 (-) Land $300,000 Building $201,400
2025	$5,933.00 (+12.24%)	$450,733 (+5.97%)	$501,400 (+17.87%) Land $300,000 Building $201,400
2023		$425,333	$425,400 Land $275,000 Building $150,400
2022	$5,286.00

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

Flood

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

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 753 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 / 250
Astound Broadband Cable	1,500 / 50
T-Mobile Fixed Wireless	100 / 20