10601 Shady Cir, Silver Spring, MD 20903 Property Records

Montgomery County property record for 10601 Shady Cir, Silver Spring, MD 20903

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,832 sqft · built 1951
Lot Size	0.592 acres (25,792 sqft)
Owner	2 Individual Names on File
Last Sale	$746,283 (Mar 2023)
Tax Bill	$7,890 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-00286743`

Property Details

APN / Parcel Number

Primary APN	`05-00286743`
Alternative APN	`00286743`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,832 sqft Living Area
1st Floor Area	1,329 sqft
Basement Area	996 sqft
Finished Basement	996 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Multi-Level
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	25,792 sqft (0.592 acres)
Deck Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	00286743
Street Address	10601 SHADY CIR
City	SILVER SPRING
State	MD
Zip	20903-1236
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R90
Legal Description	HILLANDALE
Legal Subdivision	HILLANDALE
Legal Block	14
Legal Lot Number	11
Jurisdiction	MONTGOMERY MD
Township / Civil Division	5
Census Block Group	1
Census Block	1004
Census Tract	701509

Owner

10601 Shady Cir is owned and occupied by two individuals who bought it in March 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	10601 SHADY CIR, SILVER SPRING, MD 20903-1236
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2023 · Amount on File
Deed Sale	Mar 24, 2023 · Amount on File
Deed Book / Page	66842 / 458
Prior Transfer Date	Dec 27, 2007
Prior Transfer Doc	107732
Record Updated	Sep 20, 2026

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Mar 24, 2023
Property Address	10601 SHADY CIR, SILVER SPRING, MD 20903-1236
Document Number	0668420458
Book / Page	66842 / 458
Map Reference	MB 38 PL 2669
Instrument Date	Mar 23, 2023
Transaction Type	Transfer
Record Updated	Apr 25, 2023
Title Company	PINNACLE TITLE AND ESCROW, PINNACLE TITLE & ESCROW INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,731.42
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10601 SHADY CIR, SILVER SPRING, MD 20903-1236

Mortgage

Document Number	0066842464
Date	Mar 24, 2023
Instrument	66842/464

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 10601 Shady Cir was $7,890, down 2.5% from the year before.

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		$709,600 (+5.21%) Land $247,900 Building $461,700	$709,600 (-) Land $247,900 Building $461,700
2025	$7,890.00 (-2.48%)	$674,467	$709,600 Land $247,900 Building $461,700
2024	$8,091.00
2023		$604,200 Land $247,900 Building $356,300	$604,200 Land $247,900 Building $356,300
2022	$6,093.00

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

Flood

FEMA maps place 10601 Shady Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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.

Wildfire

Wildfire risk around 10601 Shady Cir 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	Direct burnable vegetation

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 271 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