11528 Lovejoy St, Silver Spring, MD 20902 Property Records

Montgomery County property record for 11528 Lovejoy St, Silver Spring, MD 20902

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,992 sqft · built 1962
Lot Size	0.265 acres (11,525 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Mar 2014)
Tax Bill	$8,187 (2025)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-01334207`

Property Details

APN / Parcel Number

Primary APN	`13-01334207`
Alternative APN	`01334207`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,992 sqft Living Area
1st Floor Area	1,438 sqft
Basement Area	966 sqft
Finished Basement	966 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Multi-Level
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	11,525 sqft (0.265 acres)
Garage Type	Carport
Garage Area	210 sqft
Carport	Carport
Carport Area	210 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	284 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	01334207
Street Address	11528 LOVEJOY ST
City	SILVER SPRING
State	MD
Zip	20902-3100
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	30
Legal Lot Number	21
Jurisdiction	MONTGOMERY MD
Township / Civil Division	13
Census Block Group	2
Census Block	2009
Census Tract	703208

Owner

11528 Lovejoy St is owned and occupied by two individuals who bought it in March 2014.

Source: Montgomery County records, as of August 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11528 LOVEJOY ST, SILVER SPRING, MD 20902-3100
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2014 · Amount on File
Deed Sale	Mar 12, 2014 · Amount on File
Prior Sale	Jul 2, 2003 · Amount on File
Deed Book / Page	48406 / 438
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	11528 LOVEJOY ST, SILVER SPRING, MD 20902-3100
Transaction Type	Mortgage
Record Updated	Sep 22, 2021
Title Company	CERTIFIED TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11528 LOVEJOY ST, SILVER SPRING, MD 20902-3100

Mortgage

Document Number	0625610171
Date	Apr 13, 2021
Book Page	62561/171

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 11528 Lovejoy St was $8,187.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$688,600 (+7.58%)	$785,600 (+22.73%) Land $230,500 Building $555,100
2025	$8,187.00	$640,100 Land $230,500 Building $409,600	$640,100 Land $230,500 Building $409,600
2023		$554,567	$640,100 Land $230,500 Building $409,600
2022	$5,609.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 11528 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

Wildfire risk around 11528 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.

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 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