12800 Penny Ln, Silver Spring, MD 20904 Property Records

Montgomery County property record for 12800 Penny Ln, Silver Spring, MD 20904

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,994 sqft · built 2007
Lot Size	0.333 acres (14,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$842,475 (Sep 2007)
Tax Bill	$9,661 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Nov 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-03543527`

Property Details

APN / Parcel Number

Primary APN	`05-03543527`
Alternative APN	`03543527`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,994 sqft Living Area
Gross Area	5,434 sqft
1st Floor Area	2,288 sqft
Basement Area	750 sqft
Finished Basement	750 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Bi-Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	14,492 sqft (0.333 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	60 sqft
Deck Area	586 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	03543527
Street Address	12800 PENNY LN
City	SILVER SPRING
State	MD
Zip	20904-7111
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R90
Legal Description	DEER PARK AT FAIRLAND
Legal Subdivision	DEER PARK
Legal Block	E
Legal Lot Number	148
Jurisdiction	MONTGOMERY MD
Township / Civil Division	5
Census Block Group	1
Census Block	1004
Census Tract	701424

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	12800 PENNY LN, SILVER SPRING, MD 20904-7111
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Nov 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Jul 29, 2021	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jun 27, 2019	Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA
Mar 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2007 · Amount on Record
Deed Sale	Sep 27, 2007 · Amount on Record
Deed Document Number	2007102159
Deed Book / Page	34880 / 564
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12800 PENNY LN, SILVER SPRING, MD 20904-7111
Transaction Type	Mortgage
Record Updated	Mar 24, 2022
Title Company	COVENANT T&E LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12800 PENNY LN, SILVER SPRING, MD 20904-7111

Mortgage

Document Number	0653510080
Date	Mar 7, 2022
Book Page	65351/80

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Nov 1, 2051

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12800 PENNY LN, SILVER SPRING, MD 20904-7111
Transaction Type	Mortgage
Record Updated	Nov 24, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12800 PENNY LN, SILVER SPRING, MD 20904-7111

Mortgage

Document Number	0644800192
Date	Nov 3, 2021
Book Page	64480/192

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12800 PENNY LN, SILVER SPRING, MD 20904-7111
Transaction Type	Mortgage
Record Updated	Aug 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12800 PENNY LN, SILVER SPRING, MD 20904-7111

Mortgage

Document Number	0636160304
Date	Jul 29, 2021
Book Page	63616/304

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jul 3, 2061

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12800 PENNY LN, SILVER SPRING, MD 20904-7111
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0577810343
Date	Jun 27, 2019
Book Page	57781/343

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12800 PENNY LN, SILVER SPRING, MD 20904-7111
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0592180397
Date	Mar 12, 2020
Book Page	59218/397

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

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		$935,600 (+9.18%) Land $213,800 Building $721,800	$935,600 (-) Land $213,800 Building $721,800
2025	$9,661.00 (+28.9%)	$856,933 (+22.49%)	$935,600 (+33.73%) Land $213,800 Building $721,800
2023		$699,600 Land $213,800 Building $485,800	$699,600 Land $213,800 Building $485,800
2022	$7,495.00

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 Policies	2 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2021 · 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 97% of the US · lower than 94% 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 241 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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