108 Kepler Dr, Gaithersburg, MD 20878 Property Records

Montgomery County property record for 108 Kepler Dr, Gaithersburg, MD 20878

Property Summary

Property Type	Townhouse
Details	2.5 ba · 2,592 sqft · built 2016
Lot Size	0.03 acres (1,300 sqft)
Owner	Individual Name on Record
Last Sale	$775,000 (Feb 2022)
Tax Bill	$9,086 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Mar 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-03701153`

Property Details

APN / Parcel Number

Primary APN	`09-03701153`
Alternative APN	`03701153`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,592 sqft Living Area
Gross Area	3,032 sqft
1st Floor Area	872 sqft
Attic	Attic
Attic Area	400 sqft
Basement Area	560 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,300 sqft (0.03 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	200 sqft
Deck Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	03701153
Street Address	108 KEPLER DR
City	GAITHERSBURG
State	MD
Zip	20878-4656
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	MXD
Legal Description	CROWN FARM PLAT OF CORRECTION
Legal Subdivision	CROWN FARM
Legal Block	H
Legal Lot Number	5
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	3
Census Block	3014
Census Tract	700839

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	108 KEPLER DR, GAITHERSBURG, MD 20878-4656
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2022	Deed, Transfer · Conventional Mortgage VELLUM MORTGAGE LLC
Mar 29, 2018	Deed, Transfer · ARM SEVERN SAVINGS BANK FSB
Feb 10, 2017	Grant Deed, Subdivision Related Transfer · Conventional Mortgage M&I FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 16, 2022 · Amount on Record
Deed Sale	Feb 16, 2022 · Amount on Record
Prior Sale	Mar 29, 2018 · Amount on Record
Deed Book / Page	65256 / 116
Record Updated	Sep 20, 2026

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Feb 16, 2022
Property Address	108 KEPLER DR, GAITHERSBURG, MD 20878-4656
Document Number	0652560116
Book / Page	65256 / 116
Map Reference	PL 24421
Instrument Date	Feb 14, 2022
Transaction Type	Transfer
Record Updated	Mar 3, 2022
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	401 SALK CIR, 401, GAITHERSBURG, MD 20878-4667

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	108 KEPLER DR, GAITHERSBURG, MD 20878-4656

Mortgage

Document Number	0065256122
Date	Feb 16, 2022
Instrument	65256/122

Lender

Name	VELLUM MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Mar 29, 2018
Property Address	108 KEPLER DR, GAITHERSBURG, MD 20878-4656
Document Number	0558310448
Book / Page	55831 / 448
Map Reference	PL24421
Instrument Date	Mar 23, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	GEMINI TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,311.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 KEPLER DR, GAITHERSBURG, MD 20878-4656

Mortgage

Document Number	0055831456
Date	Mar 29, 2018
Instrument	55831/456

Lender

Name	SEVERN SAVINGS BANK FSB
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	358 Months
Due	Jan 2, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Apr 1, 2023
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	6.5%
Index	1-Year CMT
Max Rate	4.5%

February 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Feb 10, 2017
Property Address	108 KEPLER DR, GAITHERSBURG, MD 20878-4656
Document Number	0537730089
Book / Page	053773 / 000089
Instrument Date	Dec 21, 2016
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 25, 2017
Title Company	POTOMAC SETTLEMENT SERVICES INC, POTOMAC SETTLEMENT SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$677.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	108 KEPLER DR GAITHERSBURG MD 208784656, GAITHERSBURG, MD 20878-4656

Mortgage

Document Number	537730097
Date	Feb 10, 2017
Book Page	053773/000097

Lender

Name	M&I FIN'L
Type	Funding / Finance Company
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 9, 2047

Tax Assessment & Valuation

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		$751,100 (+3.03%) Land $250,000 Building $501,100	$751,100 (-) Land $250,000 Building $501,100
2025	$9,086.00 (+12.27%)	$729,033 (+6.44%)	$751,100 (+9.67%) Land $250,000 Building $501,100
2023		$684,900 Land $250,000 Building $434,900	$684,900 Land $250,000 Building $434,900
2022	$8,093.00

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 582 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

May also be available: T-Mobile.

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