13111 Lutes Dr, Silver Spring, MD 20906 Property Records

Montgomery County property record for 13111 Lutes Dr, Silver Spring, MD 20906

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,678 sqft · built 2004
Lot Size	0.232 acres (10,113 sqft)
Owner	Individual Name on File
Last Sale	$540,000 (Aug 2016)
Tax Bill	$7,698 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Aug 2022 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-03409953`

Property Details

APN / Parcel Number

Primary APN	`13-03409953`
Alternative APN	`03409953`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,678 sqft Living Area
Gross Area	2,986 sqft
1st Floor Area	1,339 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Bi-Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,113 sqft (0.232 acres)
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Deck Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	03409953
Street Address	13111 LUTES DR
City	SILVER SPRING
State	MD
Zip	20906-3231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R90
Legal Description	FRED L LUTES SUB
Legal Subdivision	WALLACES SUB
Legal Block	B
Legal Lot Number	21
Jurisdiction	MONTGOMERY MD
Township / Civil Division	13
Census Block Group	1
Census Block	1009
Census Tract	703206

Owner

13111 Lutes Dr is owned and occupied by an individual who bought it in August 2016.

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

Owner of Record	Individual Name on File
Mailing Address	13111 LUTES DR, SILVER SPRING, MD 20906-3231
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Sep 23, 2025	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Aug 24, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NASA FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2016 · Amount on File
Deed Sale	Aug 31, 2016 · Amount on File
Prior Sale	Jun 11, 2012 · Amount on File
Deed Book / Page	52730 / 202
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	13111 LUTES DR, SILVER SPRING, MD 20906-3231
Transaction Type	Mortgage
Record Updated	Oct 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13111 LUTES DR, SILVER SPRING, MD 20906-3231

Mortgage

Document Number	0696150134
Date	Sep 23, 2025
Book Page	69615/134

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20401

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Aug 1, 2055

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	13111 LUTES DR, SILVER SPRING, MD 20906-3231
Transaction Type	Mortgage
Record Updated	Sep 8, 2022
Title Company	CU TITLE INSURANCE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13111 LUTES DR, SILVER SPRING, MD 20906-3231

Mortgage

Document Number	0661750126
Date	Aug 24, 2022
Book Page	66175/126

Lender

Name	NASA FCU
Type	Credit Union
Address	BOWIE, MD 20716

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 17, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 13111 Lutes Dr was $7,698.

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		$621,800 (+6.31%)	$695,600 (+18.93%) Land $178,300 Building $517,300
2025	$7,698.00	$584,900 Land $178,300 Building $406,600	$584,900 Land $178,300 Building $406,600
2023		$563,167	$584,900 Land $178,300 Building $406,600
2022	$6,115.00

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

Flood

FEMA maps place 13111 Lutes Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1993.

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	3 in force
Nearby Flood Claims	3 (1993–2014)
Claims Outside the SFHA	3 of 3
Most Recent Claim	May 2014 · rainfall accumulation

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

Wildfire risk around 13111 Lutes Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 90% 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 338 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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