Montgomery County property record for 114 James St, Gaithersburg, MD 20877
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 888 sqft · built 1955 |
| Lot Size | 0.192 acres (8,355 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $365,000 (Jul 2019) |
| Tax Bill | $4,354 (2025) |
| Deeds & Mortgages | Jul 2019 Sale & Mortgage Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-00841491 |
| Primary APN | 09-00841491 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 888 sqft Living Area |
| Gross Area | 1,048 sqft |
| 1st Floor Area | 888 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 8,355 sqft (0.192 acres) |
| Garage Type | Detached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 00841491 |
|---|---|
| Street Address | 114 JAMES ST |
| City | GAITHERSBURG |
| State | MD |
| Zip | 20877-1914 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R90 |
| Legal Description | OBSERVATORY HEIGHTS |
| Legal Subdivision | OBSERVATORY HEIGHTS |
| Legal Block | 1 |
| Legal Lot Number | 10 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 9 |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 700731 |
114 James St is owned and occupied by two individuals who bought it in July 2019.
Source: Montgomery County records, as of August 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 114 JAMES ST, GAITHERSBURG, MD 20877-1914 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 3, 2019 | Grant Deed, Transfer · FHA Mortgage MORTGAGE ONE SOLUTIONS |
| Jul 1, 2019 | Special Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 3, 2019 · Amount on File |
| Deed Sale | Jul 3, 2019 · Amount on File |
| Prior Sale | Jul 1, 2019 · Amount on File |
| Deed Book / Page | 57815 / 103 |
| Transfer Doc | 0000119127 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Jul 3, 2019 |
| Property Address | 114 JAMES ST, GAITHERSBURG, MD 20877-1914 |
| Document Number | 0578150103 |
| Book / Page | 057815 / 000103 |
| Instrument Date | May 6, 2019 |
| Transaction Type | Transfer |
| Record Updated | Nov 14, 2019 |
| Title Company | INDEPENDENT TITLE AND ESCROW, INDEPENDENT TITLE & ESCROW |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $365.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 9507 PLEASANT PLAINS RD DAMASCUS MD 208721934, DAMASCUS, MD 20872-1934 |
| Document Number | 578150114 |
|---|---|
| Date | Jul 3, 2019 |
| Book Page | 057815/000114 |
| Name | MORTGAGE ONE SOLUTIONS |
|---|---|
| Type | Mortgage Company |
| Address | VIENNA, VA 22182 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 2, 2049 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Jul 1, 2019 |
| Property Address | 114 JAMES ST, GAITHERSBURG, MD 20877-1914 |
| Document Number | 0578050010 |
| Book / Page | 57805 / 010 |
| Map Reference | MB 2 PL 138 |
| Instrument Date | Apr 30, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | INDEPENDENT T&E LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,375.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 114 JAMES ST, GAITHERSBURG, MD 20877-1914 |
| Document Number | 0057805019 |
|---|---|
| Date | Jul 1, 2019 |
| Instrument | 57805/019 |
| Name | FIRST NATIONAL BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | May 15, 2049 |
The 2025 property tax bill for 114 James St was $4,354.
Source: Montgomery County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Montgomery County |
| Municipality | Gaithersburg City |
| Unified School District | Montgomery County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $320,500 (+5.21%) Land $188,000 Building $132,500 | $320,500 (-) Land $188,000 Building $132,500 | |
| 2025 | $4,354.00 | $304,633 | $320,500 Land $188,000 Building $132,500 |
| 2023 | $272,900 Land $188,000 Building $84,900 | $272,900 Land $188,000 Building $84,900 | |
| 2022 | $3,065.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 114 James St 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 risk around 114 James St 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 99.1% of the US · lower than 98.5% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 230 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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