1204 Harding Ln, Silver Spring, MD 20905 Property Records

Montgomery County property record for 1204 Harding Ln, Silver Spring, MD 20905

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,735 sqft · built 1963
Lot Size	0.544 acres (23,681 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Dec 2019)
Tax Bill	$5,607 (2025)
Deeds & Mortgages	May 2026 Line of Credit Feb 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-00257980`

Property Details

APN / Parcel Number

Primary APN	`05-00257980`
Alternative APN	`00257980`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,735 sqft Living Area
1st Floor Area	1,735 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Townhouse
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	23,681 sqft (0.544 acres)
Garage Type	Attached
Garage Area	400 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	108 sqft
Patio Area	120 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	00257980
Street Address	1204 HARDING LN
City	SILVER SPRING
State	MD
Zip	20905-4004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE1
Legal Description	CATLINS ADD BERNHARD ACRES
Legal Subdivision	BEALLS MANOR
Legal Block	3
Legal Lot Number	1
Jurisdiction	MONTGOMERY MD
Township / Civil Division	5
Census Block Group	3
Census Block	3000
Census Tract	701408

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	1204 HARDING LN, SILVER SPRING, MD 20905-4004
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Deed of Trust, Mortgage · Line of Credit ATLANTIC UNION BK
Feb 16, 2024	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 19, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 26, 2019	Grant Deed, Transfer · FHA Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2019 · Amount on Record
Deed Sale	Dec 26, 2019 · Amount on Record
Deed Book / Page	58750 / 98
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Recording Date	May 29, 2026
Property Address	1204 HARDING LN, SILVER SPRING, MD 20905-4004
Document Number	7054000361
Book / Page	70541 / 361
Instrument Date	May 22, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1204 HARDING LN, SILVER SPRING, MD 20905-4004

Mortgage

Document Number	7054000361,
Date	May 29, 2026
Book Page	70541/361

Lender

Name	ATLANTIC UNION BK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2056

Interest

Rate	6.23%
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	1204 HARDING LN, SILVER SPRING, MD 20905-4004
Transaction Type	Mortgage
Record Updated	Mar 5, 2024
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1204 HARDING LN, SILVER SPRING, MD 20905-4004

Mortgage

Document Number	0677600077
Date	Feb 16, 2024
Book Page	67760/77

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 7, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	1204 HARDING LN, SILVER SPRING, MD 20905-4004
Transaction Type	Mortgage
Record Updated	Jan 28, 2022
Title Company	BETTERS LAW TITLE & SETTLEMENT LLC, BETTERS LAW TTL & SETMNT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1204 HARDING LN, SILVER SPRING, MD 20905-4004

Mortgage

Document Number	0626430389
Date	Apr 19, 2021
Book Page	62643/389

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Dec 26, 2019
Property Address	1204 HARDING LN, SILVER SPRING, MD 20905-4004
Document Number	0587500098
Book / Page	058750 / 000098
Instrument Date	Oct 30, 2019
Transaction Type	Transfer
Record Updated	Jan 20, 2020
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$325.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1204 HARDING LN SILVER SPRING MD 209054004, SILVER SPRING, MD 20905-4004

Mortgage

Document Number	587500104
Date	Dec 26, 2019
Book Page	058750/000104

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 25, 2049

Tax Assessment & Valuation

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		$464,800 (+5.48%) Land $237,600 Building $227,200	$464,800 (-) Land $237,600 Building $227,200
2025	$5,607.00 (+73.59%)	$440,633 (+12.32%)	$464,800 (+18.48%) Land $237,600 Building $227,200
2023		$392,300 Land $237,600 Building $154,700	$392,300 Land $237,600 Building $154,700
2022	$3,230.00

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	1 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	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 157 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

May also be available: AT&T.

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