12704 Gould Rd, Silver Spring, MD 20906 Property Records

Montgomery County property record for 12704 Gould Rd, Silver Spring, MD 20906

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 910 sqft · built 1949
Lot Size	0.183 acres (7,956 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Feb 2024)
Tax Bill	$4,375 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Feb 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-01193371`

Property Details

APN / Parcel Number

Primary APN	`13-01193371`
Alternative APN	`01193371`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	910 sqft Living Area
1st Floor Area	910 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	7,956 sqft (0.183 acres)
Garage Type	Detached
Garage Area	546 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	01193371
Street Address	12704 GOULD RD
City	SILVER SPRING
State	MD
Zip	20906-3826
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60
Legal Description	GLENMONT HILLS
Legal Subdivision	GLENMONT HILLS
Legal Block	9
Legal Lot Number	17
Jurisdiction	MONTGOMERY MD
Township / Civil Division	13
Census Block Group	2
Census Block	2003
Census Tract	703403

Owner

12704 Gould Rd is owned and occupied by two individuals who bought it in February 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	12704 GOULD RD, SILVER SPRING, MD 20906-3826
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Feb 7, 2024	Deed of Trust, Mortgage · Line of Credit LOWER LLC
Feb 7, 2024	Deed, Transfer · FHA Mortgage LOWER LLC
Feb 7, 2024	Deed, Transfer · FHA Mortgage LOWER LLC
Apr 17, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2024 · Amount on File
Deed Sale	Feb 7, 2024 · Amount on File
Deed Book / Page	67740 / 437
Prior Transfer Date	Apr 5, 2023
Prior Transfer Doc	0669050135
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12704 GOULD RD, SILVER SPRING, MD 20906-3826
Transaction Type	Mortgage
Record Updated	May 14, 2024
Title Company	VERSATILE TITLE AND ESCROW LLC, VERSATILE TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0677400464
Date	Feb 7, 2024
Book Page	67740/464

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21044

Agreement

Type	Line of Credit
Amount	Amount on Record

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Feb 7, 2024
Property Address	12704 GOULD RD, SILVER SPRING, MD 20906-3826
Document Number	0677400437
Book / Page	67740 / 437
Map Reference	MB 36 PL 2461
Instrument Date	Jan 30, 2024
Transaction Type	Transfer
Record Updated	May 14, 2024
Title Company	NOT AVAILABLE, VERSATILE T&E LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$937.50
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 by the Entirety
Address	12704 GOULD RD, SILVER SPRING, MD 20906-3826

Mortgage

Document Number	0067740446
Date	Feb 7, 2024
Instrument	67740/446

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2054

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Feb 7, 2024
Property Address	12704 GOULD RD, SILVER SPRING, MD 20906-3826
Document Number	0677400437
Book / Page	67740 / 437
Map Reference	MB 36 PL 2461
Instrument Date	Jan 30, 2024
Transaction Type	Transfer
Record Updated	Apr 18, 2024
Title Company	VERSATILE T&E LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$937.50
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 by the Entirety
Address	12704 GOULD RD, SILVER SPRING, MD 20906-3826

Mortgage

Document Number	0067740446
Date	Feb 7, 2024
Instrument	67740/446

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2054

Mortgage

Document Number	0677400464
Date	Feb 7, 2024
Book Page	67740/464

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21044

Agreement

Type	Line of Credit
Amount	Amount on Record

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTGOMERY MD
Recording Date	Apr 17, 2023
Property Address	12704 GOULD RD, SILVER SPRING, MD 20906-3826
Document Number	0669050135
Book / Page	66905 / 135
Map Reference	MB 36 PL 2461
Instrument Date	Apr 5, 2023
Transaction Type	Transfer
Record Updated	May 3, 2023

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
Address	4119 WARNER ST, KENSINGTON, MD 20895-4057

Tax Assessment & Valuation

The 2025 property tax bill for 12704 Gould Rd was $4,375, up 4.9% from the year before.

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		$326,900 (+5.79%)	$362,700 (+17.38%) Land $178,300 Building $184,400
2025	$4,375.00 (+4.94%)	$309,000 Land $178,300 Building $130,700	$309,000 Land $178,300 Building $130,700
2024	$4,169.00
2023		$288,333	$309,000 Land $178,300 Building $130,700
2022	$3,721.00

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

Flood

FEMA maps place 12704 Gould Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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

The area around 12704 Gould Rd 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 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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