Montgomery County property record for 10401 Kinloch Rd, Silver Spring, MD 20903
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,720 sqft · built 1963 |
| Lot Size | 0.279 acres (12,172 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $628,000 (May 2026) |
| Tax Bill | $7,482 (2025) |
| Deeds & Mortgages | Apr 2023 Mortgage May 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-00289256 |
| Primary APN | 05-00289256 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,720 sqft Living Area |
| Gross Area | 3,094 sqft |
| 1st Floor Area | 1,014 sqft |
| Basement Area | 731 sqft |
| Finished Basement | 731 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Bi-Level |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 12,172 sqft (0.279 acres) |
| Garage Type | Attached |
| Garage Area | 374 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 92 sqft |
| Patio Area | 868 sqft |
| Shed | 1 Shed |
| Shed Area | 49 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 00289256 |
|---|---|
| Street Address | 10401 KINLOCH RD |
| City | SILVER SPRING |
| State | MD |
| Zip | 20903-1511 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R90 |
| Legal Description | HILLANDALE |
| Legal Subdivision | HILLANDALE |
| Legal Block | 19 |
| Legal Lot Number | 4 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 5 |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 701509 |
Source: Montgomery County records, as of August 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 10401 KINLOCH RD, SILVER SPRING, MD 20903-1511 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
| Date | Document |
|---|---|
| Apr 21, 2023 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| May 14, 2026 | Deed, Transfer · Conventional Mortgage KIND LENDING LLC |
| Dec 13, 2018 | Grant Deed, Transfer · FHA Mortgage EMBRACE HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 14, 2026 · Amount on Record |
| Deed Sale | May 14, 2026 · Amount on Record |
| Prior Sale | Dec 13, 2018 · Amount on Record |
| Deed Book / Page | 70485 / 55 |
| Prior Transfer Date | Jul 19, 2016 |
| Prior Transfer Doc | 0526030144 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 10401 KINLOCH RD, SILVER SPRING, MD 20903-1511 |
| Transaction Type | Mortgage |
| Record Updated | Jun 4, 2026 |
| Name | Verified Name |
|---|---|
| Address | 10401 KINLOCH RD, SILVER SPRING, MD 20903-1511 |
| Document Number | 0669230192 |
|---|---|
| Date | Apr 21, 2023 |
| Book Page | 66923/192 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | May 1, 2063 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | May 14, 2026 |
| Property Address | 10401 KINLOCH RD, SILVER SPRING, MD 20903-1511 |
| Document Number | 7048000055 |
| Book / Page | 70485 / 55 |
| Instrument Date | Apr 20, 2026 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $634,280.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 10401 KINLOCH RD, SILVER SPRING, MD 20903-1511 |
| Document Number | 7048000064, |
|---|---|
| Date | May 14, 2026 |
| Book Page | 70485/64 |
| Name | KIND LENDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Dec 13, 2018 |
| Property Address | 10401 KINLOCH RD, SILVER SPRING, MD 20903-1511 |
| Document Number | 0569880062 |
| Book / Page | 056988 / 000062 |
| Instrument Date | Nov 21, 2018 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2018 |
| Title Company | PINNACLE SETTLEMENT SERVICES, PINNACLE SETTLEMENT SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $500.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 2000 OGLETHORPE ST #301 HYATTSVILLE MD 207822710, 301, HYATTSVILLE, MD 20782-2710 |
| Document Number | 569880072 |
|---|---|
| Date | Dec 13, 2018 |
| Book Page | 056988/000072 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 12, 2048 |
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 | $566,100 (-) Land $223,100 Building $343,000 | $566,100 (-) Land $223,100 Building $343,000 | |
| 2025 | $7,482.00 (+1.33%) | $566,100 (-3.82%) Land $223,100 Building $343,000 | $566,100 (-3.82%) Land $223,100 Building $343,000 |
| 2024 | $7,384.00 (+21.53%) | ||
| 2023 | $588,600 Land $223,100 Building $365,500 | $588,600 Land $223,100 Building $365,500 | |
| 2022 | $6,076.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Claims | 1 (2004) |
| Most Recent Claim | Jul 2004 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% 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.
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 390 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures