14504 Cutstone Way, Silver Spring, MD 20905 Property Records

Montgomery County property record for 14504 Cutstone Way, Silver Spring, MD 20905

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 5,190 sqft · built 1988
Lot Size	0.538 acres (23,421 sqft)
Owner	2 Individual Names on File
Last Sale	$825,000 (Oct 2021)
Tax Bill	$9,339 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-02396524`

Property Details

APN / Parcel Number

Primary APN	`05-02396524`
Alternative APN	`02396524`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,190 sqft Living Area
Gross Area	5,718 sqft
1st Floor Area	2,284 sqft
Basement Area	950 sqft
Finished Basement	950 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Bi-Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	23,421 sqft (0.538 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Deck Area	288 sqft
Patio Area	288 sqft
Shed	1 Shed
Shed Area	160 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02396524
Street Address	14504 CUTSTONE WAY
City	SILVER SPRING
State	MD
Zip	20905-7430
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R200
Legal Description	NAPLES MANOR
Legal Subdivision	NAPLES MANOR
Legal Block	1
Legal Lot Number	18
Jurisdiction	MONTGOMERY MD
Township / Civil Division	5
Census Block Group	1
Census Block	1004
Census Tract	701407

Owner

14504 Cutstone Way is owned and occupied by two individuals who bought it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	14504 CUTSTONE WAY, SILVER SPRING, MD 20905-7430
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
Oct 5, 2021	Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Sep 17, 2019	Deed, Transfer · Conventional Mortgage GEORGE MASON MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2021 · Amount on File
Deed Sale	Oct 5, 2021 · Amount on File
Prior Sale	Sep 17, 2019 · Amount on File
Deed Book / Page	64189 / 355
Record Updated	Sep 20, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Oct 5, 2021
Property Address	14504 CUTSTONE WAY, SILVER SPRING, MD 20905-7430
Document Number	0641890355
Book / Page	64189 / 355
Map Reference	MB 126 PL 14720
Instrument Date	Sep 24, 2021
Transaction Type	Transfer
Record Updated	Oct 20, 2021
Title Company	KVS TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,312.50
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	14504 CUTSTONE WAY, SILVER SPRING, MD 20905-7430

Mortgage

Document Number	64189362
Date	Oct 5, 2021
Instrument	64189/362

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Sep 17, 2019
Property Address	14504 CUTSTONE WAY, SILVER SPRING, MD 20905-7430
Document Number	0581610388
Book / Page	58161 / 388
Map Reference	MB 126 PL 14720
Instrument Date	Aug 26, 2019
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	COUNSELORS TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,592.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10279 ASHBROOK CT, 10279, FORT MYERS, FL 33913-2601

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	14504 CUTSTONE WAY, SILVER SPRING, MD 20905-7430

Mortgage

Document Number	58161396
Date	Sep 17, 2019
Instrument	58161/396

Lender

Name	GEORGE MASON MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 14504 Cutstone Way was $9,339.

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		$866,400 (+6.68%) Land $312,100 Building $554,300	$866,400 (-) Land $312,100 Building $554,300
2025	$9,339.00	$812,167	$866,400 Land $312,100 Building $554,300
2023		$703,700 Land $312,100 Building $391,600	$703,700 Land $312,100 Building $391,600
2022	$7,294.00

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

Flood

FEMA maps place 14504 Cutstone Way in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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	4 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2015 · other causes

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 14504 Cutstone Way 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 95% of the US · lower than 90% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 107 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

May also be available: AT&T.

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