147 Decoverly Dr, Gaithersburg, MD 20878 Property Records

Montgomery County property record for 147 Decoverly Dr, Gaithersburg, MD 20878

Property Summary

Property Type	Townhouse
Details	4.5 ba · 1,912 sqft · built 2014
Lot Size	0.024 acres (1,040 sqft)
Owner	2 Individual Names on File
Last Sale	$605,000 (Oct 2017)
Tax Bill	$8,637 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-03702113`

Property Details

APN / Parcel Number

Primary APN	`09-03702113`
Alternative APN	`03702113`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,912 sqft Living Area
Gross Area	2,232 sqft
1st Floor Area	644 sqft
Attic	Attic
Attic Area	448 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,040 sqft (0.024 acres)
Garage Type	Attached
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	176 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	03702113
Street Address	147 DECOVERLY DR
City	GAITHERSBURG
State	MD
Zip	20878-4548
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	MXD
Legal Description	CROWN FARM PLAT OF CORRECTION
Legal Subdivision	CROWN FARM
Legal Block	J
Legal Lot Number	28
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	3
Census Block	3013
Census Tract	700839

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	13 HUNT CLUB CT, EDGEWATER, MD 21037-2745
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2022	Deed of Trust, Mortgage · Line of Credit ATLANTIC UNION BANK
Dec 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage NFM INC
Nov 25, 2019	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Oct 26, 2017	Grant Deed, Transfer · Conventional with PMI NFM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2017 · Amount on File
Deed Sale	Oct 26, 2017 · Amount on File
Prior Sale	Jul 17, 2013 · Amount on File
Deed Book / Page	55145 / 153
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	147 DECOVERLY DR, GAITHERSBURG, MD 20878-4548
Transaction Type	Mortgage
Record Updated	Nov 15, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	147 DECOVERLY DR, GAITHERSBURG, MD 20878-4548

Mortgage

Document Number	0664490221
Date	Nov 1, 2022
Book Page	66449/221

Lender

Name	ATLANTIC UNION BANK
Type	Bank
Address	LEESBURG, VA 20175

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 20, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	147 DECOVERLY DR, GAITHERSBURG, MD 20878-4548
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	RESOURCE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	147 DECOVERLY DR, GAITHERSBURG, MD 20878-4548

Mortgage

Document Number	0613060217
Date	Dec 9, 2020
Book Page	61306/217

Lender

Name	NFM INC
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	147 DECOVERLY DR, GAITHERSBURG, MD 20878-4548
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0585670429
Date	Nov 25, 2019
Book Page	58567/429

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 25, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Oct 26, 2017
Property Address	147 DECOVERLY DR, GAITHERSBURG, MD 20878-4548
Document Number	0551450153
Book / Page	055145 / 000153
Instrument Date	Sep 21, 2017
Transaction Type	Transfer
Record Updated	Nov 7, 2017
Title Company	DB TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$605.00
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	147 DECOVERLY DR GAITHERSBURG MD 208784548, GAITHERSBURG, MD 20878-4548

Mortgage

Document Number	551450159
Date	Oct 26, 2017
Book Page	055145/000159

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 25, 2047

Tax Assessment & Valuation

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		$660,600 (+3.01%) Land $250,000 Building $410,600	$660,600 (-) Land $250,000 Building $410,600
2025	$8,637.00 (+11.2%)	$641,300 (+6.4%)	$660,600 (+9.61%) Land $250,000 Building $410,600
2023		$602,700 Land $250,000 Building $352,700	$602,700 Land $250,000 Building $352,700
2022	$7,767.00

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

Flood

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.5% 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 582 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

May also be available: T-Mobile.

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