129 Finale Ter, Silver Spring, MD 20901 Property Records

Montgomery County property record for 129 Finale Ter, Silver Spring, MD 20901

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,554 sqft · built 1984
Lot Size	0.046 acres (2,016 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Sep 2021)
Tax Bill	$4,538 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-02364962`

Property Details

APN / Parcel Number

Primary APN	`05-02364962`
Alternative APN	`02364962`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,554 sqft Living Area
1st Floor Area	798 sqft
Basement Area	1 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,016 sqft (0.046 acres)
Deck Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02364962
Street Address	129 FINALE TER
City	SILVER SPRING
State	MD
Zip	20901-5059
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R90
Legal Description	DUMONT OAKS
Legal Subdivision	DUMONT OAKS
Legal Block	B
Legal Lot Number	442
Jurisdiction	MONTGOMERY MD
Township / Civil Division	5
Census Block Group	2
Census Block	2000
Census Tract	701506

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	129 FINALE TER, SILVER SPRING, MD 20901-5059
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Deed of Trust, Mortgage · Line of Credit CAPITAL LENDING
Sep 2, 2021	Deed, Transfer · Conventional Mortgage APEX HOME LOANS INC
May 19, 2020	Quit Claim Deed, Transfer · VA Mortgage BARRINGTON BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2021 · Amount on Record
Deed Sale	Sep 2, 2021 · Amount on Record
Prior Sale	May 19, 2020
Deed Book / Page	63941 / 185
Prior Transfer Date	Apr 16, 2020
Prior Transfer Doc	0595930202
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Recording Date	Jun 25, 2026
Property Address	129 FINALE TER, SILVER SPRING, MD 20901-5059
Document Number	7065000264
Book / Page	70652 / 264
Instrument Date	Jun 17, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7065000264,
Date	Jun 25, 2026
Book Page	70652/264

Lender

Name	CAPITAL LENDING

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2056

Interest

Rate	6.51%
Max Rate	-1%

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Sep 2, 2021
Property Address	129 FINALE TER, SILVER SPRING, MD 20901-5059
Document Number	0639410185
Book / Page	63941 / 185
Map Reference	MB 124 PL 14560
Instrument Date	Jul 7, 2021
Transaction Type	Transfer
Record Updated	Sep 17, 2021
Title Company	RSI TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,375.00
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	129 FINALE TER, SILVER SPRING, MD 20901-5059

Mortgage

Document Number	63941192
Date	Sep 2, 2021
Instrument	63941/192

Lender

Name	APEX HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 1, 2051

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY MD
Recording Date	May 19, 2020
Property Address	129 FINALE TER, SILVER SPRING, MD 20901-5059
Document Number	0595930202
Book / Page	059593 / 000202
Instrument Date	Apr 16, 2020
Transaction Type	Transfer
Record Updated	Jun 25, 2020
Title Company	ELEVATED NATIONAL SETTLEMENT SERVICES, ELEVATED NAT'L SETTLEMENT SVCS

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	129 FINALE TER SILVER SPRING MD 209015059, SILVER SPRING, MD 20901-5059

Mortgage

Document Number	595930206
Date	May 19, 2020
Book Page	059593/000206

Lender

Name	BARRINGTON BK&TR
Type	Bank
Address	ROSEMONT, IL 60018

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 18, 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		$445,600 (+7%) Land $184,000 Building $261,600	$445,600 (-) Land $184,000 Building $261,600
2025	$4,538.00 (-5.73%)	$416,433 (+16.29%)	$445,600 (+24.43%) Land $184,000 Building $261,600
2024	$4,814.00 (+15.94%)
2023		$358,100 Land $184,000 Building $174,100	$358,100 Land $184,000 Building $174,100
2022	$4,152.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2011)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2011 · Hurricane Irene

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 261 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 / 250

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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