14609 Jaystone Dr, Silver Spring, MD 20905 Property Records

Montgomery County property record for 14609 Jaystone Dr, Silver Spring, MD 20905 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,888 sqft · built 1988
Lot Size	0.667 acres (29,070 sqft)
Owner	2 Individual Names on File
Last Sale	$645,000 (Dec 2019)
Tax Bill	$8,772 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-02259455`

Property Details

APN / Parcel Number

Primary APN	`05-02259455`
Alternative APN	`02259455`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,888 sqft Living Area
Gross Area	4,632 sqft
1st Floor Area	1,788 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Utility Area	56 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	29,070 sqft (0.667 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	48 sqft
Deck Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02259455
Street Address	14609 JAYSTONE DR
City	SILVER SPRING
State	MD
Zip	20905-7406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NAPLES MANOR
Legal Subdivision	NAPLES MANOR
Legal Block	12
Legal Lot Number	4
Jurisdiction	MONTGOMERY MD
Township / Civil Division	5
Census Block Group	3
Census Block	3003
Census Tract	701407

Owner

Source: Montgomery County records · APN 05-02259455

Assessment roll updated August 17, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	14609 JAYSTONE DR, SILVER SPRING, MD 20905-7406
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC
Dec 31, 2019	Grant Deed, Transfer · Conventional Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 31, 2019 · Amount on Record
Deed Sale	Dec 31, 2019 · Amount on Record
Prior Sale	Apr 27, 1989 · Amount on Record
Deed Book / Page	58781 / 84
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	14609 JAYSTONE DR, SILVER SPRING, MD 20905-7406
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	WORLDWIDE SETTLEMENTS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14609 JAYSTONE DR, SILVER SPRING, MD 20905-7406

Mortgage

Document Number	0608460201
Date	Oct 21, 2020
Book Page	60846/201

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2050

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Dec 31, 2019
Property Address	14609 JAYSTONE DR, SILVER SPRING, MD 20905-7406
Document Number	0587810084
Book / Page	058781 / 000084
Instrument Date	Nov 22, 2019
Transaction Type	Transfer
Record Updated	Jan 27, 2020
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$645.00
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	14609 JAYSTONE DR SILVER SPRING MD 209057406, SILVER SPRING, MD 20905-7406

Mortgage

Document Number	587810093
Date	Dec 31, 2019
Book Page	058781/000093

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 30, 2049

Tax Assessment & Valuation

Source: Montgomery County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$811,200 (+7.38%) Land $321,700 Building $489,500	$811,200 (-) Land $321,700 Building $489,500
2025	$8,772.00 (+31.77%)	$755,433 (+17.32%)	$811,200 (+25.98%) Land $321,700 Building $489,500
2023		$643,900 Land $321,700 Building $322,200	$643,900 Land $321,700 Building $322,200
2022	$6,657.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Montgomery County (24031C), updated April 12, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240317014073, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (1987–2021)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jul 2021, other causes

Wildfire

Wildfire Risk	Low above 6% of the US · above 13% of Maryland
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 289 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fiber	2,300 / 2,300
Xfinity	Cable	2,000 / 250
AT&T	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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