15020 Whitegate Rd, Silver Spring, MD 20905 Property Records

Montgomery County property record for 15020 Whitegate Rd, Silver Spring, MD 20905

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,884 sqft · built 1975
Lot Size	0.506 acres (22,032 sqft)
Owner	2 Individual Names on File
Last Sale	$555,000 (May 2020)
Tax Bill	$7,344 (2025)
Deeds & Mortgages	May 2022 Mortgage May 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-00370472`

Property Details

APN / Parcel Number

Primary APN	`05-00370472`
Alternative APN	`00370472`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,884 sqft Living Area
Gross Area	4,368 sqft
1st Floor Area	1,577 sqft
Basement Area	1,146 sqft
Finished Basement	1,146 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Bi-Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	22,032 sqft (0.506 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	00370472
Street Address	15020 WHITEGATE RD
City	SILVER SPRING
State	MD
Zip	20905-5754
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R200
Legal Description	STONEGATE
Legal Subdivision	STONEGATE
Legal Block	C
Legal Lot Number	55
Jurisdiction	MONTGOMERY MD
Township / Civil Division	5
Census Block Group	1
Census Block	1004
Census Tract	701407

Owner

Source: Montgomery County assessment roll, 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 File
Mailing Address	15020 WHITEGATE RD, SILVER SPRING, MD 20905-5754
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
May 4, 2023	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
May 24, 2022	Correction Deed ACCOMODATION, ACCOMMODATION
May 20, 2020	Grant Deed, Transfer · Conventional Mortgage QUICKEN LNS
Jul 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 20, 2020 · Amount on Record
Deed Sale	May 20, 2020 · Amount on Record
Prior Sale	Dec 1, 2009 · Amount on Record
Deed Book / Page	59614 / 413
Last Transfer Date	Oct 10, 2020
Transfer Doc	0657970385
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	15020 WHITEGATE RD, SILVER SPRING, MD 20905-5754
Transaction Type	Mortgage
Record Updated	Oct 2, 2023
Title Company	ATD TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0657990101
Date	May 24, 2022
Book Page	65799/101

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	162 Months
Due	Nov 1, 2035

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	15020 WHITEGATE RD, SILVER SPRING, MD 20905-5754
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0669630479
Date	May 4, 2023
Book Page	66963/479

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	MONTGOMERY MD
Recording Date	May 24, 2022
Property Address	15020 WHITEGATE RD, SILVER SPRING, MD 20905-5754
Document Number	0657970385
Book / Page	65797 / 385
Map Reference	MB 86 PL 9153
Instrument Date	Oct 10, 2020
Record Updated	Jun 9, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	15020 WHITEGATE RD, SILVER SPRING, MD 20905-5754

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTGOMERY MD
Recording Date	May 20, 2020
Property Address	15020 WHITEGATE RD, SILVER SPRING, MD 20905-5754
Document Number	0596140413
Book / Page	059614 / 000413
Instrument Date	Mar 12, 2020
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	ATD TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$555.00
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	15020 WHITEGATE RD SILVER SPRING MD 209055754, SILVER SPRING, MD 20905-5754

Mortgage

Document Number	596140420
Date	May 20, 2020
Book Page	059614/000420

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 19, 2040

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	15020 WHITEGATE RD, SILVER SPRING, MD 20905-5754
Document Number	0564910294
Instrument Date	Jul 27, 2018
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	15020 WHITEGATE RD SILVER SPRING MD 209055754, SILVER SPRING, MD 20905-5754

Mortgage

Document Number	0564910294
Date	Aug 20, 2018
Book Page	056491/000294

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2048

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		$687,200 (+7.75%) Land $312,500 Building $374,700	$687,200 (-) Land $312,500 Building $374,700
2025	$7,344.00 (-0.49%)	$637,767 (+18.35%)	$687,200 (+27.52%) Land $312,500 Building $374,700
2024	$7,380.00 (+29.22%)
2023		$538,900 Land $312,500 Building $226,400	$538,900 Land $312,500 Building $226,400
2022	$5,711.00

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	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

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

Wildfire Risk	Low lower than 97% of the US · lower than 94% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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 228 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 USA.

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