12704 Ruxton Rd, Silver Spring, MD 20904 Property Records

Montgomery County property record for 12704 Ruxton Rd, Silver Spring, MD 20904 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,436 sqft · built 1979
Lot Size	0.223 acres (9,704 sqft)
Owner	2 Individual Names on File
Last Sale	$575,000 (Sep 2025)
Tax Bill	$6,485 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Sep 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-01837197`

Property Details

APN / Parcel Number

Primary APN	`05-01837197`
Alternative APN	`01837197`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,436 sqft Living Area
Gross Area	2,920 sqft
1st Floor Area	1,556 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Bi-Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,704 sqft (0.223 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	01837197
Street Address	12704 RUXTON RD
City	SILVER SPRING
State	MD
Zip	20904-5274
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SNOWDENS MILL
Legal Subdivision	SNOWDENS MILL
Legal Block	B
Legal Lot Number	61
Jurisdiction	MONTGOMERY MD
Township / Civil Division	5
Census Block Group	3
Census Block	3006
Census Tract	701414

Owner

Source: Montgomery County records · APN 05-01837197

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	2 Individual Names on File
Mailing Address	12704 RUXTON RD, SILVER SPRING, MD 20904-5274
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2023	Deed of Trust, Mortgage · Conventional Mortgage BANK-FUND STAFF FCU
Sep 30, 2025	Deed, Transfer · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC
Mar 16, 2017	Deed of Trust, Mortgage · Commercial Mortgage SANDY SPRING BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 30, 2025 · Amount on Record
Deed Sale	Sep 30, 2025 · Amount on Record
Deed Book / Page	69648 / 39
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12704 RUXTON RD, SILVER SPRING, MD 20904-5274
Transaction Type	Mortgage
Record Updated	Apr 03, 2026
Title Company	PEAK SETTLEMENTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12704 RUXTON RD, SILVER SPRING, MD 20904-5274

Mortgage

Document Number	0666810444
Date	Jan 23, 2023
Book Page	66681/444

Lender

Name	BANK-FUND STAFF FCU
Type	Credit Union
Address	WASHINGTON, DC 20006

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Feb 01, 2033
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	8.87%
Index	1-Year T-Bill
Max Rate	11.8%

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Sep 30, 2025
Property Address	12704 RUXTON RD, SILVER SPRING, MD 20904-5274
Document Number	0696480039
Book / Page	69648 / 39
Map Reference	MB 109 PL 12685
Instrument Date	Sep 18, 2025
Transaction Type	Transfer
Record Updated	Apr 03, 2026
Title Company	REGIS TITLE LLC, RGS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,437.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12704 RUXTON RD, SILVER SPRING, MD 20904-5274

Mortgage

Document Number	0006964847
Date	Sep 30, 2025
Instrument	69648/47

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2055

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12704 RUXTON RD, SILVER SPRING, MD 20904-5274
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	MARYLAND TITLE CENTER LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0539790374
Date	Mar 16, 2017
Book Page	53979/374

Lender

Name	SANDY SPRING BANK
Type	Bank
Address	CRAMERTON, NC 28032

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$553,500 (+10.04%) Land $221,700 Building $331,800	$553,500 (-) Land $221,700 Building $331,800
2025	$6,485.00 (+52.88%)	$503,000 (+25.12%)	$553,500 (+37.69%) Land $221,700 Building $331,800
2023		$402,000 Land $221,700 Building $180,300	$402,000 Land $221,700 Building $180,300
2022	$4,242.00

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 240317014143, 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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1985)
Most Recent Claim	Nov 1985, river or lake flooding

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 204 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fiber	2,300 / 2,300
Xfinity	Cable	2,000 / 2,000
AT&T	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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