124 Kepler Dr, Gaithersburg, MD 20878 Property Records

Montgomery County property record for 124 Kepler Dr, Gaithersburg, MD 20878

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,640 sqft · built 2016
Lot Size	0.037 acres (1,625 sqft)
Owner	Individual Name on File
Last Sale	$950,000 (May 2026)
Tax Bill	$10,378 (2025)
Deeds & Mortgages	Jul 2021 Mortgage May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-03701118`

Property Details

APN / Parcel Number

Primary APN	`09-03701118`
Alternative APN	`03701118`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,640 sqft Living Area
Gross Area	3,080 sqft
1st Floor Area	896 sqft
Attic	Attic
Attic Area	400 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,625 sqft (0.037 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	160 sqft
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	03701118
Street Address	124 KEPLER DR
City	GAITHERSBURG
State	MD
Zip	20878-4656
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	MXD
Legal Description	CROWN FARM PLAT OF CORRECTION
Legal Subdivision	CROWN FARM
Legal Block	H
Legal Lot Number	1
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	3
Census Block	3014
Census Tract	700839

Owner

124 Kepler Dr, a townhouse, is owned and occupied by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	124 KEPLER DR, GAITHERSBURG, MD 20878-4656
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

Date	Document
Jul 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage APEX HOME LOANS INC
May 20, 2026	Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE
Dec 29, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
May 3, 2017	Grant Deed, Subdivision Related Transfer · Conventional Mortgage M&I FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2026 · Amount on File
Deed Sale	May 20, 2026 · Amount on File
Prior Sale	May 3, 2017 · Amount on File
Deed Book / Page	70507 / 36
Prior Transfer Date	Dec 19, 2023
Prior Transfer Doc	0676530169
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	124 KEPLER DR, GAITHERSBURG, MD 20878-4656
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	KVS TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0634250315
Date	Jul 6, 2021
Book Page	63425/315

Lender

Name	APEX HOME LOANS INC
Type	Mortgage Company
Address	ROCKVILLE, MD 20850

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	May 20, 2026
Property Address	124 KEPLER DR, GAITHERSBURG, MD 20878-4656
Document Number	7050000036
Book / Page	70507 / 36
Instrument Date	May 15, 2026
Transaction Type	Transfer
Record Updated	May 29, 2026
Title Company	RGS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$959,500.00
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	124 KEPLER DR, GAITHERSBURG, MD 20878-4656

Mortgage

Document Number	7050000045,
Date	May 20, 2026
Book Page	70507/45

Lender

Name	TOWNEBANK MORTGAGE

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTGOMERY MD
Recording Date	Dec 29, 2023
Property Address	124 KEPLER DR, GAITHERSBURG, MD 20878-4656
Document Number	0676530169
Book / Page	67653 / 169
Map Reference	PL 24421
Instrument Date	Dec 19, 2023
Transaction Type	Transfer
Record Updated	Jan 11, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4676 35TH ST N, ARLINGTON, VA 22207-4462

May 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	MONTGOMERY MD
Recording Date	May 3, 2017
Property Address	124 KEPLER DR, GAITHERSBURG, MD 20878-4656
Document Number	0542260001
Book / Page	054226 / 000001
Instrument Date	Mar 27, 2017
Transaction Type	Subdivision Related Transfer
Record Updated	May 23, 2017
Title Company	POTOMAC SETTLEMENT SERVICES INC, POTOMAC SETTLEMENT SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$710.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 KEPLER DR GAITHERSBURG MD 208784656, GAITHERSBURG, MD 20878-4656

Mortgage

Document Number	542260009
Date	May 3, 2017
Book Page	054226/000009

Lender

Name	M&I FIN'L
Type	Funding / Finance Company
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 2, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 124 Kepler Dr was $10,378, up 3.7% from the year before.

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		$799,300 (+3.12%) Land $250,000 Building $549,300	$799,300 (-) Land $250,000 Building $549,300
2025	$10,378.00 (+3.68%)	$775,133	$799,300 Land $250,000 Building $549,300
2024	$10,010.00
2023		$726,800 Land $250,000 Building $476,800	$726,800 Land $250,000 Building $476,800
2022	$8,519.00

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

Flood

FEMA maps place 124 Kepler Dr 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	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

The area around 124 Kepler Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 582 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 / 2,000

May also be available: T-Mobile.

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