13125 Lutes Dr, Silver Spring, MD 20906 Property Records

Montgomery County property record for 13125 Lutes Dr, Silver Spring, MD 20906

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,868 sqft · built 1998
Lot Size	0.232 acres (10,125 sqft)
Owner	2 Individual Names on Record
Last Sale	$810,000 (May 2022)
Tax Bill	$7,920 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Dec 2016 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-03111703`

Property Details

APN / Parcel Number

Primary APN	`13-03111703`
Alternative APN	`03111703`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,868 sqft Living Area
Gross Area	4,286 sqft
1st Floor Area	1,484 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Bi-Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,125 sqft (0.232 acres)
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	424 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	03111703
Street Address	13125 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	PL 19835 FRED L LUTES SUB
Legal Subdivision	WALLACES SUB
Legal Block	B
Legal Lot Number	16
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	13125 LUTES DR, SILVER SPRING, MD 20906-3231
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2022	Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Dec 23, 2016	Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2022 · Amount on Record
Deed Sale	May 6, 2022 · Amount on Record
Prior Sale	Nov 4, 1998 · Amount on Record
Deed Book / Page	65712 / 170
Record Updated	Sep 20, 2026

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	May 6, 2022
Property Address	13125 LUTES DR, SILVER SPRING, MD 20906-3231
Document Number	0657120170
Book / Page	65712 / 170
Map Reference	MB 177 PL 19835
Instrument Date	May 5, 2022
Transaction Type	Transfer
Record Updated	May 18, 2022
Title Company	STRATEGIC NATIONAL TITLE GROUP, STRATEGIC NATL TTL GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,125.00
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	13125 LUTES DR, SILVER SPRING, MD 20906-3231

Mortgage

Document Number	0065712178
Date	May 6, 2022
Instrument	65712/178

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jun 1, 2051

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	13125 LUTES DR, SILVER SPRING, MD 20906-3231
Document Number	0537560441
Book / Page	053756 / 000441
Instrument Date	Dec 23, 2016
Transaction Type	Mortgage
Record Updated	Jul 25, 2017
Title Company	CORPORATE SETTLEMENT SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13125 LUTES DR SILVER SPRING MD 209063231, SILVER SPRING, MD 20906-3231

Mortgage

Document Number	0537560441
Date	Feb 8, 2017
Book Page	053756/000441

Lender

Name	THIRD FED'L S&L/CLEVELAND
Type	Federal Savings Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 7, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.74%

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		$821,067 (+4.16%)	$886,600 (+12.47%) Land $178,300 Building $708,300
2025	$7,920.00 (+42.09%)	$788,300 (+30.97%) Land $178,300 Building $610,000	$788,300 (-) Land $178,300 Building $610,000
2023		$601,900	$788,300 Land $178,300 Building $610,000
2022	$5,574.00

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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