106 Cedar Ave, Gaithersburg, MD 20877 Property Records

Montgomery County property record for 106 Cedar Ave, Gaithersburg, MD 20877

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,067 sqft · built 1928
Lot Size	0.179 acres (7,800 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Dec 2022)
Tax Bill	$5,548 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-00841764`

Property Details

APN / Parcel Number

Primary APN	`09-00841764`
Alternative APN	`00841764`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,067 sqft Living Area
1st Floor Area	810 sqft
Basement Area	607 sqft
Finished Basement	607 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Bi-Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,800 sqft (0.179 acres)
Porch	Open Porch
Porch Area	168 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	00841764
Street Address	106 CEDAR AVE
City	GAITHERSBURG
State	MD
Zip	20877-1910
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R90
Legal Description	PT LT 28 OBSERVATORY HEIGHTS ADD
Legal Subdivision	OBSERVATORY HEIGHTS
Legal Block	1
Legal Lot Number	28
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	1
Census Block	1003
Census Tract	700731

Owner

106 Cedar Ave is owned and occupied by two individuals who bought it in December 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	106 CEDAR AVE, GAITHERSBURG, MD 20877-1910
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Dec 28, 2022	Special Warranty Deed, Transfer · Conventional Mortgage BAY EQUITY LLC
Apr 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HM LOANS
Oct 23, 2019	Quit Claim Deed, Transfer · Conventional Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2022 · Amount on File
Deed Sale	Dec 28, 2022 · Amount on File
Prior Sale	Sep 4, 2013 · Amount on File
Deed Book / Page	66610 / 1
Prior Transfer Date	Jul 31, 2019
Prior Transfer Doc	0583570309
Record Updated	Sep 20, 2026

December 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Dec 28, 2022
Property Address	106 CEDAR AVE, GAITHERSBURG, MD 20877-1910
Document Number	0666100001
Book / Page	66610 / 1
Map Reference	MB 2 PL 138
Instrument Date	Nov 30, 2022
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3623 CHESAPEAKE ST NW, WASHINGTON, DC 20008-2916

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	106 CEDAR AVE, GAITHERSBURG, MD 20877-1910

Mortgage

Document Number	0000666109
Date	Dec 28, 2022
Instrument	66610/9

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	106 CEDAR AVE, GAITHERSBURG, MD 20877-1910
Document Number	0597290001
Instrument Date	Apr 17, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	EQUITY NATIONAL TITLE LLC, EQUITY NAT'L TITLE & CLOSING S

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 CEDAR AVE GAITHERSBURG MD 208771910, GAITHERSBURG, MD 20877-1910

Mortgage

Document Number	0597290001
Date	Jun 3, 2020
Book Page	059729/000001

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 2, 2050

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Oct 23, 2019
Property Address	106 CEDAR AVE, GAITHERSBURG, MD 20877-1910
Document Number	0583570309
Book / Page	058357 / 000309
Instrument Date	Jul 31, 2019
Transaction Type	Transfer
Record Updated	Nov 8, 2019
Title Company	EQUITY NATIONAL TITLE LLC, EQUITY NAT'L TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 CEDAR AVE HIGH SHOALS NC 28077, HIGH SHOALS, NC 28077

Mortgage

Document Number	583570316
Date	Oct 23, 2019
Book Page	058357/000316

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 106 Cedar Ave was $5,548, down 3.1% from the year before.

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		$487,200 (+7.76%) Land $185,800 Building $301,400	$487,200 (-) Land $185,800 Building $301,400
2025	$5,548.00 (-3.14%)	$452,100	$487,200 Land $185,800 Building $301,400
2024	$5,728.00
2023		$381,900 Land $185,800 Building $196,100	$381,900 Land $185,800 Building $196,100
2022	$4,374.00

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

Flood

FEMA maps place 106 Cedar Ave 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

Wildfire risk around 106 Cedar Ave 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 97% of the US · lower than 94% 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.

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 276 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
Astound Broadband Cable	1,500 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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