14409 Clay Rock Ln, Silver Spring, MD 20906 Property Records

Montgomery County property record for 14409 Clay Rock Ln, Silver Spring, MD 20906

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 4,304 sqft · built 2014
Lot Size	0.159 acres (6,938 sqft)
Owner	2 Individual Names on File
Last Sale	$635,000 (Aug 2016)
Tax Bill	$9,719 (2025)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-03681282`

Property Details

APN / Parcel Number

Primary APN	`13-03681282`
Alternative APN	`03681282`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,304 sqft Living Area
Gross Area	4,767 sqft
1st Floor Area	1,702 sqft
Basement Area	900 sqft
Finished Basement	900 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Bi-Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,938 sqft (0.159 acres)
Garage Type	Attached
Garage Area	463 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	48 sqft
Deck Area	182 sqft
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	03681282
Street Address	14409 CLAY ROCK LN
City	SILVER SPRING
State	MD
Zip	20906-1818
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD2
Legal Description	LAYHILL OVERLOOK
Legal Subdivision	LAYHILL OVERLOOK
Legal Block	1
Legal Lot Number	20
Jurisdiction	MONTGOMERY MD
Township / Civil Division	13
Census Block Group	1
Census Block	1000
Census Tract	703220

Owner

14409 Clay Rock Ln is owned and occupied by two individuals who bought it in August 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	14409 CLAY ROCK LN, SILVER SPRING, MD 20906-1818
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2016 · Amount on File
Deed Sale	Aug 24, 2016 · Amount on File
Prior Sale	Jul 8, 2014 · Amount on File
Deed Book / Page	52689 / 433
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	14409 CLAY ROCK LN, SILVER SPRING, MD 20906-1818
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	THE ATLANTIC TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0601000405
Date	Jul 22, 2020
Book Page	60100/405

Lender

Name	INTERCOASTAL MORTGAGE
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 14409 Clay Rock Ln was $9,719.

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		$836,600 (-0.89%) Land $152,000 Building $684,600	$836,600 (-0.89%) Land $152,000 Building $684,600
2025	$9,719.00	$844,100 Land $152,000 Building $692,100	$844,100 Land $152,000 Building $692,100
2023		$718,433	$844,100 Land $152,000 Building $692,100
2022	$7,077.00

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

Flood

FEMA maps place 14409 Clay Rock Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 12, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 14409 Clay Rock Ln has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 181 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 / 250
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20