13654 Cedar Creek Ln, Silver Spring, MD 20904 Property Records

Montgomery County property record for 13654 Cedar Creek Ln, Silver Spring, MD 20904

Property Summary

Property Type	Townhouse
Details	3.5 ba · 1,440 sqft · built 1988
Lot Size	0.072 acres (3,126 sqft)
Owner	Individual Name on File
Last Sale	$299,000 (Apr 2015)
Tax Bill	$4,474 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-02770315`

Property Details

APN / Parcel Number

Primary APN	`05-02770315`
Alternative APN	`02770315`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,440 sqft Living Area
1st Floor Area	720 sqft
Basement Area	1 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	3,126 sqft (0.072 acres)
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02770315
Street Address	13654 CEDAR CREEK LN
City	SILVER SPRING
State	MD
Zip	20904-5312
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PD2
Legal Description	FAIRLAND ESTATES
Legal Subdivision	FAIRLAND ESTATES
Legal Block	A
Legal Lot Number	136
Jurisdiction	MONTGOMERY MD
Township / Civil Division	5
Census Block Group	1
Census Block	1010
Census Tract	701414

Owner

13654 Cedar Creek Ln, a townhouse, is owned and occupied by an individual who bought it in April 2015.

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

Owner of Record	Individual Name on File
Mailing Address	13654 CEDAR CREEK LN, SILVER SPRING, MD 20904-5312
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 15, 2020	Deed of Trust, Mortgage · VA Mortgage NFM LNDG
Aug 23, 2018	Deed of Trust, Mortgage · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2015 · Amount on File
Deed Sale	Apr 13, 2015 · Amount on File
Prior Sale	Jan 14, 2008 · Amount on File
Deed Book / Page	50083 / 246
Prior Transfer Date	Dec 11, 2007
Prior Transfer Doc	108203
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	13654 CEDAR CREEK LN, SILVER SPRING, MD 20904-5312
Document Number	0601950170
Instrument Date	Jul 15, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	CLA TITLE AND ESCROW, CLA TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13654 CEDAR CREEK LN SILVER SPRING MD 209045312, SILVER SPRING, MD 20904-5312

Mortgage

Document Number	0601950170
Date	Aug 5, 2020
Book Page	060195/000170

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 4, 2040

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	13654 CEDAR CREEK LN, SILVER SPRING, MD 20904-5312
Document Number	0565770341
Instrument Date	Aug 23, 2018
Transaction Type	Mortgage
Record Updated	Sep 19, 2018
Title Company	NAVY FEDERAL TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13654 CEDAR CREEK LN SILVER SPRING MD 209045312, SILVER SPRING, MD 20904-5312

Mortgage

Document Number	0565770341
Date	Sep 7, 2018
Book Page	056577/000341

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 6, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 13654 Cedar Creek Ln was $4,474, up 7.5% from the year before.

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		$371,000 (+5.76%) Land $125,000 Building $246,000	$371,000 (-) Land $125,000 Building $246,000
2025	$4,474.00 (+7.52%)	$350,800	$371,000 Land $125,000 Building $246,000
2024	$4,161.00
2023		$310,400 Land $125,000 Building $185,400	$310,400 Land $125,000 Building $185,400
2022	$3,040.00

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

Flood

FEMA maps place 13654 Cedar Creek Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2007.

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	1 in force
Nearby Flood Claims	2 (2007)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 2007 · tidal / storm surge

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 13654 Cedar Creek Ln 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 94% of the US · lower than 87% 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 106 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

Cell Coverage

5G and 4G LTE (outdoors only)

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