12309 Loft Ln, Silver Spring, MD 20904 Property Records

Montgomery County property record for 12309 Loft Ln, Silver Spring, MD 20904

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,913 sqft · built 1985
Lot Size	0.318 acres (13,860 sqft)
Owner	Individual Name on Record
Last Sale	$780,000 (Oct 2022)
Tax Bill	$9,425 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-02058832`

Property Details

APN / Parcel Number

Primary APN	`05-02058832`
Alternative APN	`02058832`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,913 sqft Living Area
Gross Area	4,485 sqft
1st Floor Area	1,852 sqft
Basement Area	735 sqft
Finished Basement	735 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Bi-Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	13,860 sqft (0.318 acres)
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Deck Area	260 sqft
Patio Area	476 sqft
Gazebo	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02058832
Street Address	12309 LOFT LN
City	SILVER SPRING
State	MD
Zip	20904-6634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R90
Legal Description	ROLLING ACRES SEC 3
Legal Subdivision	ROLLING ACRES
Legal Block	2
Legal Lot Number	38
Jurisdiction	MONTGOMERY MD
Township / Civil Division	5
Census Block Group	4
Census Block	4002
Census Tract	701414

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	12309 LOFT LN, SILVER SPRING, MD 20904-6634
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2022	Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Feb 7, 2018	Grant Deed, Transfer · Conventional Mortgage CENTURY LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2022 · Amount on Record
Deed Sale	Oct 3, 2022 · Amount on Record
Prior Sale	Feb 7, 2018 · Amount on Record
Deed Book / Page	66323 / 27
Prior Transfer Date	Feb 15, 2008
Prior Transfer Doc	110155
Record Updated	Sep 20, 2026

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Oct 3, 2022
Property Address	12309 LOFT LN, SILVER SPRING, MD 20904-6634
Document Number	0663230027
Book / Page	66323 / 27
Map Reference	MB 113 PL 13324
Instrument Date	Sep 23, 2022
Transaction Type	Transfer
Record Updated	Oct 21, 2022
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,900.00
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 in Severalty
Address	12309 LOFT LN, SILVER SPRING, MD 20904-6634

Mortgage

Document Number	0006632334
Date	Oct 3, 2022
Instrument	66323/34

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Feb 7, 2018
Property Address	12309 LOFT LN, SILVER SPRING, MD 20904-6634
Document Number	0556200077
Book / Page	055620 / 000077
Instrument Date	Jan 18, 2018
Transaction Type	Transfer
Record Updated	Feb 20, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12309 LOFT LN SILVER SPRING MD 209046634, SILVER SPRING, MD 20904-6634

Mortgage

Document Number	556200084
Date	Feb 7, 2018
Book Page	055620/000084

Lender

Name	CENTURY LNDG
Address	LOUISVILLE, KY 40223

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 6, 2048

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		$791,100 (+4.32%) Land $217,700 Building $573,400	$791,100 (-) Land $217,700 Building $573,400
2025	$9,425.00 (+5.19%)	$758,367 (+9.45%)	$791,100 (+14.17%) Land $217,700 Building $573,400
2024	$8,960.00 (+41.48%)
2023		$692,900 Land $217,700 Building $475,200	$692,900 Land $217,700 Building $475,200
2022	$6,333.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2014 · other causes

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 215 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

May also be available: T-Mobile.

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