11720 Lovejoy St, Silver Spring, MD 20902 Property Records

Montgomery County property record for 11720 Lovejoy St, Silver Spring, MD 20902

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,570 sqft · built 1963
Lot Size	0.346 acres (15,051 sqft)
Owner	2 Individual Names on File
Last Sale	$784,600 (Apr 2026)
Tax Bill	$6,350 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-01323088`

Property Details

APN / Parcel Number

Primary APN	`13-01323088`
Alternative APN	`01323088`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,570 sqft Living Area
1st Floor Area	1,230 sqft
Basement Area	500 sqft
Finished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Bi-Level
Exterior Material	Combination
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	15,051 sqft (0.346 acres)
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	120 sqft
Patio Area	170 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	01323088
Street Address	11720 LOVEJOY ST
City	SILVER SPRING
State	MD
Zip	20902-1637
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	51
Legal Lot Number	13
Jurisdiction	MONTGOMERY MD
Township / Civil Division	13
Census Block Group	4
Census Block	4008
Census Tract	703208

Owner

11720 Lovejoy St is owned and occupied by two individuals who bought it in April 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	11720 LOVEJOY ST, SILVER SPRING, MD 20902-1637
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2026 · Amount on File
Deed Sale	Apr 30, 2026 · Amount on File
Prior Sale	May 6, 2004
Deed Book / Page	70427 / 434
Transfer Doc	0000004797
Record Updated	Sep 20, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Apr 30, 2026
Property Address	11720 LOVEJOY ST, SILVER SPRING, MD 20902-1637
Document Number	7042000434
Book / Page	70427 / 434
Instrument Date	Apr 28, 2026
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$792,446.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11720 LOVEJOY ST, SILVER SPRING, MD 20902-1637

Mortgage

Document Number	7042000441,
Date	Apr 30, 2026
Book Page	70427/441

Lender

Name	LOAN STORE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 11720 Lovejoy St was $6,350, down 4.9% from the year before.

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		$582,067 (+7.65%)	$664,800 (+22.95%) Land $239,400 Building $425,400
2025	$6,350.00 (-4.85%)	$540,700 Land $239,400 Building $301,300	$540,700 Land $239,400 Building $301,300
2024	$6,674.00
2023		$491,833	$540,700 Land $239,400 Building $301,300
2022	$5,119.00

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

Flood

FEMA maps place 11720 Lovejoy 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	8 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

Wildfire risk around 11720 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 333 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20