13123 Lutes Dr, Silver Spring, MD 20906 Property Records

Montgomery County property record for 13123 Lutes Dr, Silver Spring, MD 20906

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,420 sqft · built 1996
Lot Size	0.232 acres (10,125 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Oct 1997)
Tax Bill	$7,930 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-03111691`

Property Details

APN / Parcel Number

Primary APN	`13-03111691`
Alternative APN	`03111691`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,420 sqft Living Area
Gross Area	2,840 sqft
1st Floor Area	1,300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Bi-Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,125 sqft (0.232 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	124 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	03111691
Street Address	13123 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	15
Jurisdiction	MONTGOMERY MD
Township / Civil Division	13
Census Block Group	1
Census Block	1009
Census Tract	703206

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	13123 LUTES DR, SILVER SPRING, MD 20906-3231
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Nov 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 1997 · Amount on Record
Deed Sale	Oct 17, 1997 · Amount on Record
Deed Document Number	1997102956
Deed Book / Page	15236 / 660
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Recording Date	Jul 10, 2026
Property Address	13123 LUTES DR, SILVER SPRING, MD 20906-3231
Document Number	7070000001
Book / Page	70709 / 1
Instrument Date	Jul 2, 2026
Transaction Type	Mortgage
Record Updated	Jul 31, 2026
Title Company	UNITED GENERAL TITLE INSURANCE, UNITED GENERAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13123 LUTES DR, SILVER SPRING, MD 20906-3231

Mortgage

Document Number	7070000001,
Date	Jul 10, 2026
Book Page	70709/1

Lender

Name	BANK OF AMERICA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2056

Interest

Rate	6.48%
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	13123 LUTES DR, SILVER SPRING, MD 20906-3231
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13123 LUTES DR, SILVER SPRING, MD 20906-3231

Mortgage

Document Number	0611550313
Date	Nov 23, 2020
Book Page	61155/313

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Oct 1, 2035

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		$641,267 (+3.8%)	$688,200 (+11.4%) Land $178,300 Building $509,900
2025	$7,930.00 (+58%)	$617,800 (+20.77%) Land $178,300 Building $439,500	$617,800 (-) Land $178,300 Building $439,500
2023		$511,533	$617,800 Land $178,300 Building $439,500
2022	$5,019.00

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	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

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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