Montgomery County property record for 109 Finale Ter, Silver Spring, MD 20901 · Last verified August 2026
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 2,006 sqft · built 1984 |
| Lot Size | 0.051 acres (2,205 sqft) |
| Owner | Individual Name on File |
| Last Sale | $385,000 (Nov 2019) |
| Tax Bill | $4,708 (2025) |
| Deeds & Mortgages | Sep 2022 Mortgage Dec 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-02373250 |
| Primary APN | 05-02373250 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,006 sqft Living Area |
| 1st Floor Area | 756 sqft |
| Basement Area | 536 sqft |
| Finished Basement | 536 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,205 sqft (0.051 acres) |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 02373250 |
|---|---|
| Street Address | 109 FINALE TER |
| City | SILVER SPRING |
| State | MD |
| Zip | 20901-5037 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | DUMONT OAKS |
| Legal Subdivision | DUMONT OAKS |
| Legal Block | B |
| Legal Lot Number | 456 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 701506 |
Source: Montgomery County records · APN 05-02373250
Assessment roll updated August 17, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 109 FINALE TER, SILVER SPRING, MD 20901-5037 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Sep 27, 2022 | Deed of Trust, Mortgage · FHA Mortgage RUSHMORE LOAN MANAGEMENT SERVICES LLC |
| Dec 02, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Nov 04, 2019 | Grant Deed, Transfer · FHA Mortgage EMBRACE HM LOANS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 04, 2019 · Amount on Record |
| Deed Sale | Nov 04, 2019 · Amount on Record |
| Prior Sale | Feb 05, 1996 · Amount on Record |
| Deed Book / Page | 58422 / 494 |
| Transfer Doc | 0000103439 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 109 FINALE TER, SILVER SPRING, MD 20901-5037 |
| Transaction Type | Mortgage |
| Record Updated | Oct 07, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 109 FINALE TER, SILVER SPRING, MD 20901-5037 |
| Document Number | 0662940158 |
|---|---|
| Date | Sep 27, 2022 |
| Book Page | 66294/158 |
| Name | RUSHMORE LOAN MANAGEMENT SERVICES LLC |
|---|---|
| Type | Lending Institution |
| Address | IRVING, TX 75063 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Oct 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 109 FINALE TER, SILVER SPRING, MD 20901-5037 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 109 FINALE TER, SILVER SPRING, MD 20901-5037 |
| Document Number | 0647450400 |
|---|---|
| Date | Dec 02, 2021 |
| Book Page | 64745/400 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Oct 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Nov 04, 2019 |
| Property Address | 109 FINALE TER, SILVER SPRING, MD 20901-5037 |
| Document Number | 0584220494 |
| Book / Page | 058422 / 000494 |
| Instrument Date | Sep 06, 2019 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2019 |
| Title Company | SAGE TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $385.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 FINALE TER SILVER SPRING MD 209015037, SILVER SPRING, MD 20901-5037 |
| Document Number | 584220499 |
|---|---|
| Date | Nov 04, 2019 |
| Book Page | 058422/000499 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 03, 2049 |
Source: Montgomery County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Montgomery County |
| Unified School District | Montgomery County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $450,000 (+4.35%) Land $184,000 Building $266,000 | $450,000 (-) Land $184,000 Building $266,000 | |
| 2025 | $4,708.00 (+26.49%) | $431,233 (+9.53%) | $450,000 (+14.3%) Land $184,000 Building $266,000 |
| 2023 | $393,700 Land $184,000 Building $209,700 | $393,700 Land $184,000 Building $209,700 | |
| 2022 | $3,722.00 |
Source: FEMA National Flood Hazard Layer, Montgomery County (24031C), updated April 12, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240317015062, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 5 individual NFIP policies nearby |
| Nearby Flood Policies | 5 in force 4 of 5 on primary residences |
| Nearby Flood Claims | 2 (2011) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Aug 2011, other causes, Hurricane Irene |
| Wildfire Risk | Low above 20% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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