12514 Denley Rd, Silver Spring, MD 20906 Property Records

Montgomery County property record for 12514 Denley Rd, Silver Spring, MD 20906

Property Summary

Property Type	Single Family Home
Details	1 ba · 910 sqft · built 1950
Lot Size	0.165 acres (7,191 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,620 (2025)
Deeds & Mortgages	Mar 2022 Reverse Mortgage Jan 2021 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-01197130`

Property Details

APN / Parcel Number

Primary APN	`13-01197130`
Alternative APN	`01197130`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	910 sqft Living Area
1st Floor Area	910 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	7,191 sqft (0.165 acres)
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	01197130
Street Address	12514 DENLEY RD
City	SILVER SPRING
State	MD
Zip	20906-3812
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60
Legal Description	GLENMONT HILLS
Legal Subdivision	GLENMONT HILLS
Legal Block	3
Legal Lot Number	10
Jurisdiction	MONTGOMERY MD
Township / Civil Division	13
Census Block Group	2
Census Block	2006
Census Tract	703403

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	12514 DENLEY RD, SILVER SPRING, MD 20906-3812
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2022	Deed of Trust, Mortgage · Reverse Mortgage PHH MORTGAGE SERVICES CORP
Jan 5, 2021	Deed of Trust, Mortgage · Reverse Mortgage PHH MORTGAGE SERVICES CORP
Dec 8, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Aug 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12514 DENLEY RD, SILVER SPRING, MD 20906-3812
Transaction Type	Mortgage
Record Updated	Mar 15, 2022
Title Company	CHANCELLOR TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12514 DENLEY RD, SILVER SPRING, MD 20906-3812

Mortgage

Document Number	0653240281
Date	Mar 1, 2022
Book Page	65324/281

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	917 Months
Due	Aug 2, 2098

Interest

Rate Type	Adjustable Rate
Rate	2.73%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	7.73%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12514 DENLEY RD, SILVER SPRING, MD 20906-3812
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12514 DENLEY RD, SILVER SPRING, MD 20906-3812

Mortgage

Document Number	0615030354
Date	Jan 5, 2021
Book Page	61503/354

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	931 Months
Due	Aug 2, 2098

Interest

Rate Type	Adjustable Rate
Rate	3.98%
Type Change Date	Feb 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12514 DENLEY RD, SILVER SPRING, MD 20906-3812
Document Number	0615030372
Instrument Date	Dec 8, 2020
Transaction Type	Mortgage
Record Updated	Mar 8, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12514 DENLEY RD SILVER SPRING MD 209063812, SILVER SPRING, MD 20906-3812

Mortgage

Document Number	0615030372
Date	Jan 5, 2021
Book Page	061503/000372

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	924 Months
Due	Jan 4, 2098

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12514 DENLEY RD, SILVER SPRING, MD 20906-3812
Document Number	0548850232
Instrument Date	Aug 11, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018
Title Company	CSC DOCUMENT RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12514 DENLEY RD SILVER SPRING MD 209063812, SILVER SPRING, MD 20906-3812

Mortgage

Document Number	0548850232
Date	Sep 18, 2017
Book Page	054885/000232

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 17, 2027

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		$315,067 (+1.67%)	$325,400 (+5%) Land $175,600 Building $149,800
2025	$3,620.00 (+41.57%)	$309,900 (+7.34%) Land $175,600 Building $134,300	$309,900 (-) Land $175,600 Building $134,300
2023		$288,700	$309,900 Land $175,600 Building $134,300
2022	$2,557.00

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 Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2020 · 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 99.1% of the US · lower than 98.5% 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 506 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

May also be available: Astound Broadband, AT&T, T-Mobile.

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