14514 Cutstone Way, Silver Spring, MD 20905 Property Records

Montgomery County property record for 14514 Cutstone Way, Silver Spring, MD 20905

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,645 sqft · built 1988
Lot Size	0.337 acres (14,683 sqft)
Owner	2 Trust Names on File
Last Sale	$575,900 (Aug 2014)
Tax Bill	$8,702 (2025)
Deeds & Mortgages	Mar 2026 Transfer Jul 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-02396557`

Property Details

APN / Parcel Number

Primary APN	`05-02396557`
Alternative APN	`02396557`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,645 sqft Living Area
Gross Area	5,173 sqft
1st Floor Area	1,996 sqft
Basement Area	693 sqft
Finished Basement	693 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	14,683 sqft (0.337 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	640 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02396557
Street Address	14514 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	21
Jurisdiction	MONTGOMERY MD
Township / Civil Division	5
Census Block Group	1
Census Block	1004
Census Tract	701407

Owner

14514 Cutstone Way is held in a trust since December 2018.

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

Owner of Record	2 Trust Names on File
Mailing Address	14514 CUTSTONE WAY, SILVER SPRING, MD 20905-7430
Owner Type	Company
Vesting	Trust, Revocable Living Trust

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
Mar 12, 2026	Intrafamily Transfer, Transfer
Jul 27, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jan 28, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2014 · Amount on File
Deed Sale	Aug 7, 2014 · Amount on File
Prior Sale	Dec 21, 1987 · Amount on File
Deed Book / Page	49015 / 177
Last Transfer Date	Dec 26, 2018
Transfer Doc	0571560402
Record Updated	Sep 20, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTGOMERY MD
Recording Date	Mar 12, 2026
Property Address	14514 CUTSTONE WAY, SILVER SPRING, MD 20905-7430
Document Number	0702340363
Book / Page	70234 / 363
Map Reference	MB 126 PL 14720
Instrument Date	Mar 7, 2026
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	14514 CUTSTONE WAY, SILVER SPRING, MD 20905-7430

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	14514 CUTSTONE WAY, SILVER SPRING, MD 20905-7430
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14514 CUTSTONE WAY, SILVER SPRING, MD 20905-7430

Mortgage

Document Number	0601350041
Date	Jul 27, 2020
Book Page	60135/41

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	357 Months
Due	Apr 13, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Jan 28, 2019
Property Address	14514 CUTSTONE WAY, SILVER SPRING, MD 20905-7430
Document Number	0571560402
Book / Page	057156 / 000402
Instrument Date	Dec 26, 2018
Transaction Type	Transfer
Record Updated	Feb 8, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14514 CUTSTONE WAY SILVER SPRING MD 209057430, SILVER SPRING, MD 20905-7430

Tax Assessment & Valuation

The 2025 property tax bill for 14514 Cutstone Way was $8,702, up 8.8% 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		$762,800 (+7.51%) Land $293,100 Building $469,700	$762,800 (-) Land $293,100 Building $469,700
2025	$8,702.00 (+8.76%)	$709,500	$762,800 Land $293,100 Building $469,700
2024	$8,001.00
2023		$602,900 Land $293,100 Building $309,800	$602,900 Land $293,100 Building $309,800
2022	$6,227.00

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

Flood

FEMA maps place 14514 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 14514 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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