Montgomery County property record for 11521 Lovejoy St, Silver Spring, MD 20902
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,170 sqft · built 1962 |
| Lot Size | 0.248 acres (10,799 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $560,000 (Jan 2019) |
| Tax Bill | $5,915 (2025) |
| Deeds & Mortgages | Jul 2019 Mortgage Jan 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-01334162 |
| Primary APN | 13-01334162 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,170 sqft Living Area |
| 1st Floor Area | 1,140 sqft |
| Basement Area | 250 sqft |
| Finished Basement | 250 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Bi-Level |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 10,799 sqft (0.248 acres) |
| Porch | Open Porch |
| Porch Area | 260 sqft |
| Patio Area | 480 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 01334162 |
|---|---|
| Street Address | 11521 LOVEJOY ST |
| City | SILVER SPRING |
| State | MD |
| Zip | 20902-3145 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R90 |
| Legal Description | KEMP MILL ESTATES |
| Legal Subdivision | KEMP MILL ESTATES |
| Legal Block | 27 |
| Legal Lot Number | 10 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 13 |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 703208 |
11521 Lovejoy St is owned and occupied by two individuals who bought it in January 2019.
Source: Montgomery County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11521 LOVEJOY ST, SILVER SPRING, MD 20902-3145 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 24, 2019 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 30, 2019 | Deed, Transfer · VA Mortgage NEW PENN FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 30, 2019 · Amount on File |
| Deed Sale | Jan 30, 2019 · Amount on File |
| Deed Book / Page | 57162 / 387 |
| Prior Transfer Date | Jul 5, 2012 |
| Prior Transfer Doc | 0445330250 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 11521 LOVEJOY ST, SILVER SPRING, MD 20902-3145 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | CERTIFIED TITLE CORP |
| Name | Verified Name |
|---|
| Document Number | 0579060340 |
|---|---|
| Date | Jul 24, 2019 |
| Book Page | 57906/340 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Jan 30, 2019 |
| Property Address | 11521 LOVEJOY ST, SILVER SPRING, MD 20902-3145 |
| Document Number | 0571620387 |
| Book / Page | 57162 / 387 |
| Map Reference | MB 64 PL 5667 |
| Instrument Date | Aug 1, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | CERTIFIED TITLE CORP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,000.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 11521 LOVEJOY ST, SILVER SPRING, MD 20902-3145 |
| Document Number | 0057162396 |
|---|---|
| Date | Jan 30, 2019 |
| Instrument | 57162/396 |
| Name | NEW PENN FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 355 Months |
| Due | Aug 1, 2048 |
The 2025 property tax bill for 11521 Lovejoy St was $5,915, down 5.6% from the year before.
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 | $540,533 (+7.48%) | $615,800 (+22.45%) Land $228,700 Building $387,100 | |
| 2025 | $5,915.00 (-5.57%) | $502,900 Land $228,700 Building $274,200 | $502,900 Land $228,700 Building $274,200 |
| 2024 | $6,264.00 | ||
| 2023 | $458,433 | $502,900 Land $228,700 Building $274,200 | |
| 2022 | $4,774.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11521 Lovejoy St in Zone X, an area of minimal flood risk, though there have been 2 flood claims 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 | 4 in force |
| Nearby Flood Claims | 2 (2016–2017) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2017 · 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 11521 Lovejoy St 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 561 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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