109 Ritchie Ave, Silver Spring, MD 20910 Property Records

Montgomery County property record for 109 Ritchie Ave, Silver Spring, MD 20910

Property Summary

Property Type	Single Family Home
Details	5.5 ba · 4,096 sqft · built 1980
Lot Size	0.255 acres (11,095 sqft)
Owner	2 Individual Names on Record
Tax Bill	$23,105 (2025)
Deeds & Mortgages	May 2021 Mortgage May 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-01972507`

Property Details

APN / Parcel Number

Primary APN	`13-01972507`
Alternative APN	`01972507`

Interior

Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,096 sqft Living Area
Gross Area	4,421 sqft
1st Floor Area	1,688 sqft
Basement Area	720 sqft
Finished Basement	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	11,095 sqft (0.255 acres)
Garage Type	Attached
Garage Area	325 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	72 sqft
Deck Area	512 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	01972507
Street Address	109 RITCHIE AVE
City	SILVER SPRING
State	MD
Zip	20910-5111
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60
Legal Description	TAKOMA PARK 7995/854
Legal Subdivision	H.E. ROGERS SUB
Legal Block	61
Legal Lot Number	41
Jurisdiction	MONTGOMERY MD
Township / Civil Division	13
Census Block Group	1
Census Block	1002
Census Tract	701800

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	2 Individual Names on Record
Mailing Address	109 RITCHIE AVE, SILVER SPRING, MD 20910-5111
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
May 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage NEW PENN FINANCIAL LLC
Jul 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 6, 2014
Transfer Doc	0493450168
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	109 RITCHIE AVE, SILVER SPRING, MD 20910-5111
Transaction Type	Mortgage
Record Updated	Jun 1, 2021
Title Company	PINNACLE TITLE AGENCY, PINNACLE T&E INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 RITCHIE AVE, SILVER SPRING, MD 20910-5111

Mortgage

Document Number	0628350001
Date	May 3, 2021
Book Page	62835/1

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	109 RITCHIE AVE, SILVER SPRING, MD 20910-5111
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AVENUE 365 LENDER SERVICES L

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0560550062
Date	May 22, 2018
Book Page	56055/062

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company
Address	PLYMOUTH MEETING, PA 19462

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	109 RITCHIE AVE, SILVER SPRING, MD 20910-5111
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PINNACLE T&E INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0600680146
Date	Jul 17, 2020
Book Page	60068/146

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Montgomery County
Municipality	Takoma Park City
Unified School District	Montgomery County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,416,067 (+5.73%)	$1,492,800 (-) Land $366,600 Building $1,126,200
2025	$23,105.00 (+152.32%)	$1,339,333 (+173.65%)	$1,492,800 (+203.85%) Land $366,600 Building $1,126,200
2024	$9,157.00 (+22.76%)
2023		$489,433	$491,300 Land $366,600 Building $124,700
2022	$7,459.00

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	2 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	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.

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 392 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 / 250
Astound Broadband Cable	1,500 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Starry.

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