Montgomery County property record for 11500 Stephen Rd, Silver Spring, MD 20904
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,614 sqft · built 1983 |
| Lot Size | 1.26 acres (55,212 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $9,585 (2025) |
| Deeds & Mortgages | Feb 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-02253298 |
| Primary APN | 05-02253298 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,614 sqft Living Area |
| Gross Area | 4,098 sqft |
| 1st Floor Area | 1,634 sqft |
| Basement Area | 900 sqft |
| Finished Basement | 900 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Bi-Level |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 55,212 sqft |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 384 sqft |
| Patio Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 02253298 |
|---|---|
| Street Address | 11500 STEPHEN RD |
| City | SILVER SPRING |
| State | MD |
| Zip | 20904-2728 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R90 |
| Legal Description | DUMONT OAKS |
| Legal Subdivision | DUMONT OAKS |
| Legal Block | B |
| Legal Lot Number | 371 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 5 |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 701506 |
11500 Stephen Rd is owned and occupied by two individuals.
Source: Montgomery County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11500 STEPHEN RD, SILVER SPRING, MD 20904-2728 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 11500 STEPHEN RD, SILVER SPRING, MD 20904-2728 |
| Document Number | 0539990410 |
| Book / Page | 053999 / 000410 |
| Instrument Date | Feb 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2017 |
| Title Company | NAVY FEDERAL TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 11500 STEPHEN RD SILVER SPRING MD 209042728, SILVER SPRING, MD 20904-2728 |
| Document Number | 0539990410 |
|---|---|
| Date | Mar 21, 2017 |
| Book Page | 053999/000410 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 20, 2047 |
The 2025 property tax bill for 11500 Stephen Rd was $9,585.
Source: Montgomery County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Montgomery County |
| Unified School District | Montgomery County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $882,900 (+6.89%) Land $276,800 Building $606,100 | $882,900 (-) Land $276,800 Building $606,100 | |
| 2025 | $9,585.00 | $826,000 | $882,900 Land $276,800 Building $606,100 |
| 2023 | $712,200 Land $276,800 Building $435,400 | $712,200 Land $276,800 Building $435,400 | |
| 2022 | $7,597.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11500 Stephen Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.
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 | 3 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2016 · 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 risk around 11500 Stephen Rd is low, with 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 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 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 347 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 |
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