12304 Palermo Dr, Silver Spring, MD 20904 Property Records

Montgomery County property record for 12304 Palermo Dr, Silver Spring, MD 20904

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,875 sqft · built 1966
Lot Size	0.326 acres (14,209 sqft)
Owner	Individual Name on Record
Last Sale	$405,000 (Jan 2005)
Tax Bill	$5,109 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Sep 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`05-00363090`

Property Details

APN / Parcel Number

Primary APN	`05-00363090`
Alternative APN	`00363090`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,875 sqft Living Area
Gross Area	2,175 sqft
1st Floor Area	1,250 sqft
Basement Area	625 sqft
Finished Basement	625 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Townhouse
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	14,209 sqft (0.326 acres)
Garage Type	Attached
Garage Area	300 sqft
Parking Spaces	1 Parking Space
Deck Area	256 sqft
Patio Area	234 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	00363090
Street Address	12304 PALERMO DR
City	SILVER SPRING
State	MD
Zip	20904-1848
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R90
Legal Description	CALVERTON
Legal Subdivision	CALVERTON
Legal Block	28
Legal Lot Number	27
Jurisdiction	MONTGOMERY MD
Township / Civil Division	5
Census Block Group	3
Census Block	3003
Census Tract	701424

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	Individual Name on Record
Mailing Address	12304 PALERMO DR, SILVER SPRING, MD 20904-1848
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Sep 6, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2005 · Amount on Record
Deed Sale	Jan 5, 2005 · Amount on Record
Prior Sale	Jan 5, 2005 · Amount on Record
Deed Document Number	20053944
Deed Book / Page	28976 / 469
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12304 PALERMO DR, SILVER SPRING, MD 20904-1848
Transaction Type	Mortgage
Record Updated	May 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12304 PALERMO DR, SILVER SPRING, MD 20904-1848

Mortgage

Document Number	0668370262
Date	Mar 23, 2023
Book Page	66837/262

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Mar 15, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12304 PALERMO DR, SILVER SPRING, MD 20904-1848
Transaction Type	Mortgage
Record Updated	Sep 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12304 PALERMO DR, SILVER SPRING, MD 20904-1848

Mortgage

Document Number	0662190203
Date	Sep 6, 2022
Book Page	66219/203

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Aug 7, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$490,500 (+7.21%) Land $267,000 Building $223,500	$490,500 (-) Land $267,000 Building $223,500
2025	$5,109.00 (+31.44%)	$457,500 (+16.86%)	$490,500 (+25.29%) Land $267,000 Building $223,500
2023		$391,500 Land $267,000 Building $124,500	$391,500 Land $267,000 Building $124,500
2022	$3,887.00

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 98% of the US · lower than 96% of Maryland
Wildfire Likelihood	Under 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 434 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

May also be available: T-Mobile.

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