Montgomery County property record for 12909 Summer Hill Dr, Silver Spring, MD 20904
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,090 sqft · built 1985 |
| Lot Size | 0.319 acres (13,897 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $590,000 (Aug 2026) |
| Tax Bill | $5,186 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Mar 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-02511798 |
| Primary APN | 05-02511798 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,090 sqft Living Area |
| Gross Area | 2,816 sqft |
| 1st Floor Area | 1,364 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Bi-Level |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 13,897 sqft (0.319 acres) |
| Garage Type | Attached |
| Garage Area | 726 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 02511798 |
|---|---|
| Street Address | 12909 SUMMER HILL DR |
| City | SILVER SPRING |
| State | MD |
| Zip | 20904-7136 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R90 |
| Legal Description | DEER PARK AT FAIRLAN |
| Legal Subdivision | DEER PARK |
| Legal Block | F |
| Legal Lot Number | 5 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 5 |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 701424 |
Source: Montgomery County records, as of September 2, 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 Record |
|---|---|
| Mailing Address | 12909 SUMMER HILL DR, SILVER SPRING, MD 20904-7136 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Aug 18, 2026 | Deed, Transfer · FHA Mortgage EMBRACE HOME LOANS |
| Mar 30, 2017 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Apr 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 18, 2026 · Amount on Record |
| Deed Sale | Aug 18, 2026 · Amount on Record |
| Prior Sale | May 31, 2024 · Amount on Record |
| Deed Document Number | 2026 |
| Deed Book / Page | 70842 / 272 |
| Prior Transfer Date | Aug 9, 2011 |
| Prior Transfer Doc | 0423370304 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Aug 18, 2026 |
| Property Address | 12909 SUMMER HILL DR, SILVER SPRING, MD 20904-7136 |
| Document Number | 7084000272 |
| Book / Page | 70842 / 272 |
| Instrument Date | Jul 29, 2026 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2026 |
| Title Company | CONESTOGA TITLE BERKS, CONESTOGA TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $595,900.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12909 SUMMER HILL DR, SILVER SPRING, MD 20904-7136 |
| Document Number | 7084000280, |
|---|---|
| Date | Aug 18, 2026 |
| Book Page | 70842/280 |
| Name | EMBRACE HOME LOANS |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 12909 SUMMER HILL DR, SILVER SPRING, MD 20904-7136 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0540510459 |
|---|---|
| Date | Mar 30, 2017 |
| Book Page | 54051/459 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 12909 SUMMER HILL DR, SILVER SPRING, MD 20904-7136 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0593830048 |
|---|---|
| Date | Apr 16, 2020 |
| Book Page | 59383/48 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 1, 2035 |
Source: Montgomery County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Montgomery County |
| Unified School District | Montgomery County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $486,700 (+4.85%) Land $212,300 Building $274,400 | $486,700 (-) Land $212,300 Building $274,400 | |
| 2025 | $5,186.00 (-6.25%) | $464,200 (+10.73%) | $486,700 (+16.1%) Land $212,300 Building $274,400 |
| 2024 | $5,532.00 (+28.68%) | ||
| 2023 | $419,200 Land $212,300 Building $206,900 | $419,200 Land $212,300 Building $206,900 | |
| 2022 | $4,299.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 87% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 204 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 / 2,000 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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