Montgomery County property record for 10406 Royal Rd, Silver Spring, MD 20903
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,879 sqft · built 1956 |
| Lot Size | 0.289 acres (12,608 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,278 (2025) |
| Deeds & Mortgages | Mar 2026 Transfer Jan 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-00312694 |
| Primary APN | 05-00312694 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,879 sqft Living Area |
| 1st Floor Area | 1,536 sqft |
| Basement Area | 343 sqft |
| Finished Basement | 343 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Townhouse |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 12,608 sqft (0.289 acres) |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 00312694 |
|---|---|
| Street Address | 10406 ROYAL RD |
| City | SILVER SPRING |
| State | MD |
| Zip | 20903-1111 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R90 |
| Legal Description | CHALMERS ADD TO CRES THAVEN |
| Legal Subdivision | HILLS ADD TO CRESTHAVEN |
| Legal Block | 3 |
| Legal Lot Number | 17 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 5 |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 701505 |
10406 Royal Rd is owned and occupied by two individuals who acquired it in March 2026.
Source: Montgomery County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10406 ROYAL RD, SILVER SPRING, MD 20903-1111 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
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 |
|---|---|
| Mar 12, 2026 | Intrafamily Transfer, Transfer |
| Jan 4, 2017 | Loan Modification, Mortgage · Line of Credit MANUFACTURERS & TRADERS TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Mar 6, 2026 |
| Transfer Doc | 0702330157 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Mar 12, 2026 |
| Property Address | 10406 ROYAL RD, SILVER SPRING, MD 20903-1111 |
| Document Number | 0702330157 |
| Book / Page | 70233 / 157 |
| Map Reference | MB 45 PL 3357 |
| Instrument Date | Mar 6, 2026 |
| Transaction Type | Transfer |
| Record Updated | Mar 30, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10406 ROYAL RD, SILVER SPRING, MD 20903-1111 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 10406 ROYAL RD, SILVER SPRING, MD 20903-1111 |
| Document Number | 0537580252 |
| Book / Page | 053758 / 000252 |
| Instrument Date | Jan 4, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2017 |
| Name | Verified Name |
|---|---|
| Address | 10406 ROYAL RD SILVER SPRING MD 209031111, SILVER SPRING, MD 20903-1111 |
| Document Number | 0537580252 |
|---|---|
| Date | Feb 9, 2017 |
| Book Page | 053758/000252 |
| Name | MANUFACTURERS & TRADERS TR |
|---|---|
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 10406 Royal Rd was $5,278, down 3.3% from the year before.
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 | $484,300 (+8.22%) Land $223,500 Building $260,800 | $484,300 (-) Land $223,500 Building $260,800 | |
| 2025 | $5,278.00 (-3.32%) | $447,533 | $484,300 Land $223,500 Building $260,800 |
| 2024 | $5,459.00 | ||
| 2023 | $374,000 Land $223,500 Building $150,500 | $374,000 Land $223,500 Building $150,500 | |
| 2022 | $3,961.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10406 Royal Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2015.
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 | 3 in force |
| Nearby Flood Claims | 3 (2015–2024) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jan 2024 · other causes |
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 10406 Royal Rd 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 96% of the US · lower than 92% 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 295 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 |
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