13309 Lydia St, Silver Spring, MD 20906 Property Records

Montgomery County property record for 13309 Lydia St, Silver Spring, MD 20906 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,245 sqft · built 1956
Lot Size	0.209 acres (9,104 sqft)
Owner	Individual Name on File
Last Sale	$277,000 (May 2014)
Tax Bill	$5,904 (2025)
Deeds & Mortgages	Jan 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`13-01321763`

Property Details

APN / Parcel Number

Primary APN	`13-01321763`
Alternative APN	`01321763`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,245 sqft Living Area
1st Floor Area	1,495 sqft
Basement Area	750 sqft
Finished Basement	750 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Split Foyer
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,104 sqft (0.209 acres)
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	01321763
Street Address	13309 LYDIA ST
City	SILVER SPRING
State	MD
Zip	20906-5223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARMONY HILLS
Legal Subdivision	HARMONY HILLS
Legal Block	11
Legal Lot Number	19
Jurisdiction	MONTGOMERY MD
Township / Civil Division	13
Census Block Group	1
Census Block	1012
Census Tract	703302

Owner

Source: Montgomery County records · APN 13-01321763

Assessment roll updated August 17, 2026 · Last verified August 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 File
Mailing Address	13309 LYDIA ST, SILVER SPRING, MD 20906-5223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 12, 2014 · Amount on Record
Deed Sale	May 12, 2014 · Amount on Record
Prior Sale	Apr 21, 2010 · Amount on Record
Deed Book / Page	48638 / 340
Last Transfer Date	Sep 20, 2016
Transfer Doc	0528290415
Record Updated	Sep 20, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	13309 LYDIA ST, SILVER SPRING, MD 20906-5223
Transaction Type	Mortgage
Record Updated	Mar 01, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0554420248
Date	Jan 03, 2018
Book Page	55442/248

Lender

Name	MONTGOMERY COUNTY EMPLOYEES FCU
Type	Credit Union
Address	GERMANTOWN, MD 20874

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 02, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Montgomery County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Montgomery County
Unified School District	Montgomery County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$536,700 (+6.93%)	$606,300 (+20.8%) Land $181,800 Building $424,500
2025	$5,904.00 (-3.5%)	$501,900 (+15.64%) Land $181,800 Building $320,100	$501,900 (-) Land $181,800 Building $320,100
2024	$6,118.00 (+39.81%)
2023		$434,033	$501,900 Land $181,800 Building $320,100
2022	$4,376.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Montgomery County (24031C), updated April 12, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240317033021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 3 individual NFIP policies nearby
Nearby Flood Policies	3 in force 2 of 3 on primary residences
Nearby Flood Claims	20 (1978–2021)
Claims Outside the SFHA	1 of 20
Most Recent Claim	Sep 2021, rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.