12528 Waldo Ln, Silver Spring, MD 20904 Property Records

Montgomery County property record for 12528 Waldo Ln, Silver Spring, MD 20904 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,875 sqft · built 1966
Lot Size	0.297 acres (12,954 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Oct 2009)
Tax Bill	$4,824 (2025)
Deeds & Mortgages	May 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-00359144`

Property Details

APN / Parcel Number

Primary APN	`05-00359144`
Alternative APN	`00359144`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,875 sqft Living Area
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
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	12,954 sqft (0.297 acres)
Garage Type	Carport
Garage Area	300 sqft
Carport	Carport
Carport Area	300 sqft
Parking Spaces	1 Parking Space
Patio Area	234 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	00359144
Street Address	12528 WALDO LN
City	SILVER SPRING
State	MD
Zip	20904-1810
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CALVERTON
Legal Subdivision	CALVERTON
Legal Block	22
Legal Lot Number	9
Jurisdiction	MONTGOMERY MD
Township / Civil Division	5
Census Block Group	3
Census Block	3006
Census Tract	701424

Owner

Source: Montgomery County records · APN 05-00359144

Assessment roll updated August 17, 2026 · Last verified August 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 File
Mailing Address	12528 WALDO LN, SILVER SPRING, MD 20904-1810
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 16, 2009 · Amount on Record
Deed Sale	Oct 16, 2009 · Amount on Record
Deed Document Number	200918191
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12528 WALDO LN, SILVER SPRING, MD 20904-1810
Transaction Type	Mortgage
Record Updated	May 30, 2022
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12528 WALDO LN, SILVER SPRING, MD 20904-1810

Mortgage

Document Number	0657560416
Date	May 16, 2022
Book Page	65756/416

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	GLEN BURNIE, MD 21060

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2052

Tax Assessment & Valuation

Source: Montgomery County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Montgomery County
Unified School District	Montgomery County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$462,100 (+6.79%) Land $263,200 Building $198,900	$462,100 (-) Land $263,200 Building $198,900
2025	$4,824.00 (+30.03%)	$432,733 (+15.7%)	$462,100 (+23.56%) Land $263,200 Building $198,900
2023		$374,000 Land $263,200 Building $110,800	$374,000 Land $263,200 Building $110,800
2022	$3,710.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Montgomery County (24031C), updated April 12, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240317014243, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 1 individual NFIP policies nearby
Nearby Flood Policies	1 in force 1 of 1 on primary residences

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.