Montgomery County property record for 10405 Gardiner Ave, Silver Spring, MD 20902
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,452 sqft · built 1951 |
| Lot Size | 0.155 acres (6,767 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $307,900 (Mar 2014) |
| Tax Bill | $5,654 (2025) |
| Deeds & Mortgages | Sep 2023 Line of Credit Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-01098821 |
| Primary APN | 13-01098821 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,452 sqft Living Area |
| 1st Floor Area | 968 sqft |
| Basement Area | 484 sqft |
| Finished Basement | 484 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Townhouse |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 6,767 sqft (0.155 acres) |
| Deck Area | 320 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 01098821 |
|---|---|
| Street Address | 10405 GARDINER AVE |
| City | SILVER SPRING |
| State | MD |
| Zip | 20902-4108 |
| 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 | JJ |
| Legal Lot Number | 3 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 13 |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 704000 |
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 | 10405 GARDINER AVE, SILVER SPRING, MD 20902-4108 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 27, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Apr 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jul 18, 2019 | Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 13, 2014 · Amount on Record |
| Deed Sale | Mar 13, 2014 · Amount on Record |
| Prior Sale | Oct 23, 1997 · Amount on Record |
| Deed Book / Page | 48409 / 78 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 10405 GARDINER AVE, SILVER SPRING, MD 20902-4108 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0674040359 |
|---|---|
| Date | Sep 27, 2023 |
| Book Page | 67404/359 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 20, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 10405 GARDINER AVE, SILVER SPRING, MD 20902-4108 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2021 |
| Title Company | TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0624390480 |
|---|---|
| Date | Apr 6, 2021 |
| Book Page | 62439/480 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 10405 GARDINER AVE, SILVER SPRING, MD 20902-4108 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0578800135 |
|---|---|
| Date | Jul 18, 2019 |
| Book Page | 57880/135 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $451,000 (+5.74%) | $475,500 (-) Land $284,100 Building $191,400 | |
| 2025 | $5,654.00 (+31.67%) | $426,500 (+6.62%) | $475,500 (+18.28%) Land $284,100 Building $191,400 |
| 2023 | $400,033 | $402,000 Land $259,100 Building $142,900 | |
| 2022 | $4,294.00 |
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 | 2 in force |
| Nearby Flood Claims | 1 (2014) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2014 · 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 | 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 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 |
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