148 Finale Ter, Silver Spring, MD 20901 Property Records

Montgomery County property record for 148 Finale Ter, Silver Spring, MD 20901

Property Summary

Property Type	Townhouse
Details	2.5 ba · 2,121 sqft · built 1984
Lot Size	0.037 acres (1,596 sqft)
Owner	Individual Name on Record
Last Sale	$224,200 (Jul 2002)
Tax Bill	$4,550 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Nov 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`05-02364654`

Property Details

APN / Parcel Number

Primary APN	`05-02364654`
Alternative APN	`02364654`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,121 sqft Living Area
1st Floor Area	798 sqft
Basement Area	567 sqft
Finished Basement	567 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	1,596 sqft (0.037 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	46 sqft
Deck Area	400 sqft
Patio Area	42 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02364654
Street Address	148 FINALE TER
City	SILVER SPRING
State	MD
Zip	20901-5058
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R90
Legal Description	DUMONT OAKS
Legal Subdivision	DUMONT OAKS
Legal Block	B
Legal Lot Number	411
Jurisdiction	MONTGOMERY MD
Township / Civil Division	5
Census Block Group	2
Census Block	2000
Census Tract	701506

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	148 FINALE TER, SILVER SPRING, MD 20901-5058
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Nov 29, 2018	Deed of Trust, Mortgage · Line of Credit MID-ATLANTIC FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2002 · Amount on Record
Deed Sale	Jul 8, 2002 · Amount on Record
Prior Sale	Oct 14, 1999 · Amount on Record
Deed Document Number	2002243970
Deed Book / Page	21381 / 338
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	148 FINALE TER, SILVER SPRING, MD 20901-5058
Transaction Type	Mortgage
Record Updated	Dec 15, 2021
Title Company	COMMONWEALTH LAND TITLE INSURANCE COMPANY, COMMONWEALTH LAND TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 FINALE TER, SILVER SPRING, MD 20901-5058

Mortgage

Document Number	0647260455
Date	Dec 1, 2021
Book Page	64726/455

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 1, 2031

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	148 FINALE TER, SILVER SPRING, MD 20901-5058
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LENDERLIVE SETTLEMENT SVCS I

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0569220369
Date	Nov 29, 2018
Book Page	56922/369

Lender

Name	MID-ATLANTIC FCU
Type	Credit Union
Address	GERMANTOWN, MD 20874

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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		$438,400 (+5%) Land $184,000 Building $254,400	$438,400 (-) Land $184,000 Building $254,400
2025	$4,550.00 (+24.83%)	$417,533 (+11.11%)	$438,400 (+16.66%) Land $184,000 Building $254,400
2023		$375,800 Land $184,000 Building $191,800	$375,800 Land $184,000 Building $191,800
2022	$3,645.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2011)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2011 · Hurricane Irene

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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 261 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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