14809 Pennfield Cir, Apt 403, Silver Spring, MD 20906 Property Records

Montgomery County property record for 14809 Pennfield Cir, Apt 403, Silver Spring, MD 20906

Property Summary

Property Type	Condominium
Details	1,515 sqft · built 1996
Lot Size	0.055 acres (2,397 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Aug 2020)
Tax Bill	$2,975 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-03143776`

Property Details

APN / Parcel Number

Primary APN	`13-03143776`
Alternative APNs	`1303143776 13` `03143776`

Interior

Units	54 Units
Building Area	1,515 sqft Living Area
1st Floor Area	1,515 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Condo/Apartment
Lot Area	2,397 sqft (0.055 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	03143776
Street Address	14809 PENNFIELD CIR, 403
City	SILVER SPRING
State	MD
Zip	20906-1594
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R20
Legal Description	UN 403 VILLA CORTESE AT LEISURE WORLD
Legal Subdivision	LEISURE WORLD PH 1
Legal Block	1
Legal Unit	403
Jurisdiction	MONTGOMERY MD
Township / Civil Division	13
Census Block Group	1
Census Block	1005
Census Tract	703216

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	2 Individual Names on Record
Mailing Address	14809 PENNFIELD CIR, 403, SILVER SPRING, MD 20906-1594
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2020	Deed of Trust, Mortgage · VA Mortgage PAHO/WHO FCU
Aug 13, 2020	Special Warranty Deed, Transfer · Conventional Mortgage PAHO/WHO FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2020 · Amount on Record
Deed Sale	Aug 13, 2020 · Amount on Record
Prior Sale	Mar 18, 2015 · Amount on Record
Deed Book / Page	60270 / 273
Record Updated	Sep 20, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	14809 PENNFIELD CIR APT 403, 403, SILVER SPRING, MD 20906-1594
Document Number	0602700280
Instrument Date	Feb 28, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14809 PENNFIELD CIR #403 ASPEN HILL MD 209061594, 403, ASPEN HILL, MD 20906-1594

Mortgage

Document Number	0602700280
Date	Aug 13, 2020
Book Page	060270/000280

Lender

Name	PAHO/WHO FCU
Type	Credit Union
Address	FAIRFAX, VA 22030

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 12, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.12%

August 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Aug 13, 2020
Property Address	14809 PENNFIELD CIR APT 403, 403, SILVER SPRING, MD 20906-1594
Document Number	0602700273
Book / Page	60270 / 273
Map Reference	MB 69 PL 7068
Instrument Date	Feb 26, 2020
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	BLUEPRINT TITLE DMV

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,950.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	14809 PENNFIELD CIR APT 403, 403, SILVER SPRING, MD 20906-1594

Mortgage

Document Number	60270280
Date	Aug 13, 2020
Instrument	60270/280

Lender

Name	PAHO/WHO FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Mar 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.12%
Index	1-Year LIBOR
Max Rate	8.12%

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		$310,000 (-) Land $93,000 Building $217,000	$310,000 (-) Land $93,000 Building $217,000
2025	$2,975.00 (-1.59%)	$310,000 (-6.06%) Land $93,000 Building $217,000	$310,000 (-6.06%) Land $93,000 Building $217,000
2023		$330,000 Land $99,000 Building $231,000	$330,000 Land $99,000 Building $231,000
2022	$3,023.00

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	2 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 93% of the US · lower than 85% 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 247 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.

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