14 Cedar Ave, Gaithersburg, MD 20877 Property Records

Montgomery County property record for 14 Cedar Ave, Gaithersburg, MD 20877

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,162 sqft · built 1874
Lot Size	0.722 acres (31,466 sqft)
Owner	2 Individual Names on File
Last Sale	$665,000 (Oct 2020)
Tax Bill	$8,761 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-00841332`

Property Details

APN / Parcel Number

Primary APN	`09-00841332`
Alternative APN	`00841332`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	3,162 sqft Living Area
1st Floor Area	1,686 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1874
Effective Year Built	Effective 1874
Architectural Style	Bi-Level
Exterior Material	Brick
Construction Type	Brick
Roof Type	Sawtooth
Roof Material	Metal
Lot Area	31,466 sqft (0.722 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Pool Area	630 sqft
Porch	Open Porch
Porch Area	380 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	00841332
Street Address	14 CEDAR AVE
City	GAITHERSBURG
State	MD
Zip	20877-1913
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R90
Legal Description	OBSERVATORY HGTS
Legal Subdivision	OBSERVATORY HEIGHTS
Legal Block	1
Legal Lot Number	94
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	1
Census Block	1003
Census Tract	700731

Owner

14 Cedar Ave is owned and occupied by two individuals who bought it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	14 CEDAR AVE, GAITHERSBURG, MD 20877-1913
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jun 1, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 16, 2020	Grant Deed, Transfer · Conventional with PMI AMERIS BK
Mar 26, 2018	Deed, Transfer · Conventional Mortgage GOLDWATER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2020 · Amount on File
Deed Sale	Oct 19, 2020 · Amount on File
Prior Sale	Mar 26, 2018 · Amount on File
Deed Book / Page	60809 / 89
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	14 CEDAR AVE, GAITHERSBURG, MD 20877-1913
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 CEDAR AVE, GAITHERSBURG, MD 20877-1913

Mortgage

Document Number	0658320039
Date	Jun 1, 2022
Book Page	65832/39

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	May 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Oct 16, 2020
Property Address	14 CEDAR AVE, GAITHERSBURG, MD 20877-1913
Document Number	0608090089
Book / Page	060809 / 000089
Instrument Date	Aug 13, 2020
Transaction Type	Transfer
Record Updated	Oct 30, 2020
Title Company	NATIONAL SETTLEMENT SERVICES, NATIONAL SETTLEMENT SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,650.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	14 CEDAR AVE GAITHERSBURG MD 208771913, GAITHERSBURG, MD 20877-1913

Mortgage

Document Number	608090096
Date	Oct 16, 2020
Book Page	060809/000096

Lender

Name	AMERIS BK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2050

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Mar 26, 2018
Property Address	14 CEDAR AVE, GAITHERSBURG, MD 20877-1913
Document Number	0558100334
Book / Page	55810 / 334
Map Reference	PL25298
Instrument Date	Mar 19, 2018
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	PINNACLE TITLE & ESCROW INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,425.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 CEDAR AVE, GAITHERSBURG, MD 20877-1913

Mortgage

Document Number	0055810342
Date	Mar 26, 2018
Instrument	55810/342

Lender

Name	GOLDWATER BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 14 Cedar Ave was $8,761.

Source: Montgomery County assessment roll, as of August 17, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$646,400 (+4.49%) Land $228,600 Building $417,800	$646,400 (-) Land $228,600 Building $417,800
2025	$8,761.00	$618,600	$646,400 Land $228,600 Building $417,800
2023		$563,000 Land $228,600 Building $334,400	$563,000 Land $228,600 Building $334,400
2022	$6,923.00

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

Flood

FEMA maps place 14 Cedar Ave in Zone X, an area of minimal flood risk.

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

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 14 Cedar Ave 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 97% of the US · lower than 94% 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 276 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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