120 Ridgepoint Pl, Gaithersburg, MD 20878 Property Records

Montgomery County property record for 120 Ridgepoint Pl, Gaithersburg, MD 20878

Property Summary

Property Type	Townhouse
Details	3 ba · 2,272 sqft · built 1994
Lot Size	0.031 acres (1,350 sqft)
Owner	2 Individual Names on Record
Last Sale	$757,500 (Dec 2025)
Tax Bill	$7,976 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Nov 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09-02976875`

Property Details

APN / Parcel Number

Primary APN	`09-02976875`
Alternative APN	`02976875`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,272 sqft Living Area
Gross Area	2,712 sqft
1st Floor Area	836 sqft
Basement Area	600 sqft
Finished Basement	600 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	1,350 sqft (0.031 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02976875
Street Address	120 RIDGEPOINT PL
City	GAITHERSBURG
State	MD
Zip	20878-5729
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	MXD
Legal Description	KENTLANDS
Legal Subdivision	KENTLANDS HILL
Legal Block	UU
Legal Lot Number	45
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	1
Census Block	1017
Census Tract	700824

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	120 RIDGEPOINT PL, GAITHERSBURG, MD 20878-5729
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2025	Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Nov 16, 2023	Deed, Transfer · VA Mortgage FIRST HOME MORTGAGE CORP
Nov 9, 2018	Deed of Trust, Mortgage · Closed-End Mortgage HOME LOAN AND INVESTMENT BANK FSB
Feb 23, 2021	Deed, Transfer · Conventional Mortgage INTERCOASTAL MORTGAGE
Jul 26, 2017	Deed, Transfer · FHA Mortgage EAGLE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2025 · Amount on Record
Deed Sale	Dec 16, 2025 · Amount on Record
Prior Sale	Nov 16, 2023 · Amount on Record
Deed Book / Page	69939 / 25
Record Updated	Sep 20, 2026

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Dec 16, 2025
Property Address	120 RIDGEPOINT PL, GAITHERSBURG, MD 20878-5729
Document Number	0699390025
Book / Page	69939 / 25
Map Reference	MB 166 PL 18710
Instrument Date	Nov 26, 2025
Transaction Type	Transfer
Record Updated	Dec 31, 2025
Title Company	PRUITT TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,893.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 BROOKLINE CT, AIKEN, SC 29803-5231

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	120 RIDGEPOINT PL, GAITHERSBURG, MD 20878-5729

Mortgage

Document Number	0006993935
Date	Dec 16, 2025
Instrument	69939/35

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Nov 16, 2023
Property Address	120 RIDGEPOINT PL, GAITHERSBURG, MD 20878-5729
Document Number	0675480320
Book / Page	67548 / 320
Map Reference	MB 166 PL 18710
Instrument Date	Oct 30, 2023
Transaction Type	Transfer
Record Updated	Dec 12, 2023
Title Company	NOT AVAILABLE, BRENNAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,773.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	120 RIDGEPOINT PL, GAITHERSBURG, MD 20878-5729

Mortgage

Document Number	0067548331
Date	Nov 16, 2023
Instrument	67548/331

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2053

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	120 RIDGEPOINT PL, GAITHERSBURG, MD 20878-5729
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0568590289
Date	Nov 9, 2018
Book Page	56859/289

Lender

Name	HOME LOAN AND INVESTMENT BANK FSB
Type	Bank
Address	WARWICK, RI 02886

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2038

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Feb 23, 2021
Property Address	120 RIDGEPOINT PL, GAITHERSBURG, MD 20878-5729
Document Number	0619780459
Book / Page	61978 / 459
Map Reference	MB 166 PL 18710
Instrument Date	Nov 19, 2020
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	PARAGON TITLE & ESCROW CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	120 RIDGEPOINT PL, GAITHERSBURG, MD 20878-5729

Mortgage

Document Number	61978468
Date	Feb 23, 2021
Instrument	61978/468

Lender

Name	INTERCOASTAL MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Dec 1, 2050

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Jul 26, 2017
Property Address	120 RIDGEPOINT PL, GAITHERSBURG, MD 20878-5729
Document Number	0546440334
Book / Page	54644 / 334
Map Reference	MB166 PG18710
Instrument Date	May 18, 2017
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,312.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 RIDGEPOINT PL, GAITHERSBURG, MD 20878-5729

Mortgage

Document Number	0054644337
Date	Jul 26, 2017
Instrument	54644/337

Lender

Name	EAGLE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$613,600 (+3.91%) Land $270,000 Building $343,600	$613,600 (-) Land $270,000 Building $343,600
2025	$7,976.00 (+27.68%)	$590,533 (+8.47%)	$613,600 (+12.71%) Land $270,000 Building $343,600
2023		$544,400 Land $270,000 Building $274,400	$544,400 Land $270,000 Building $274,400
2022	$6,247.00

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

Flood

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	9 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

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	None beyond ember reach

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 682 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

May also be available: T-Mobile.

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