15209 Watergate Rd, Silver Spring, MD 20905 Property Records

Montgomery County property record for 15209 Watergate Rd, Silver Spring, MD 20905

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,358 sqft · built 1973
Lot Size	0.362 acres (15,750 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Aug 2018)
Tax Bill	$6,364 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-00367851`

Property Details

APN / Parcel Number

Primary APN	`05-00367851`
Alternative APN	`00367851`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,358 sqft Living Area
Gross Area	2,909 sqft
1st Floor Area	1,218 sqft
Basement Area	243 sqft
Finished Basement	243 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Bi-Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	15,750 sqft (0.362 acres)
Garage Type	Attached
Garage Area	296 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	278 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	00367851
Street Address	15209 WATERGATE RD
City	SILVER SPRING
State	MD
Zip	20905-5748
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R200
Legal Description	STONEGATE
Legal Subdivision	STONEGATE
Legal Block	H
Legal Lot Number	11
Jurisdiction	MONTGOMERY MD
Township / Civil Division	5
Census Block Group	1
Census Block	1004
Census Tract	701407

Owner

15209 Watergate Rd is owned and occupied by two individuals who bought it in August 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	15209 WATERGATE RD, SILVER SPRING, MD 20905-5748
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC
Aug 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST GUARANTY MORTGAGE CORP
Sep 27, 2019	Deed of Trust, Mortgage · Conventional with PMI EMBRACE HM LOANS
Aug 6, 2018	Grant Deed, Transfer · Conventional with PMI EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2018 · Amount on File
Deed Sale	Aug 7, 2018 · Amount on File
Prior Sale	Jun 18, 1992 · Amount on File
Deed Book / Page	56422 / 249
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	15209 WATERGATE RD, SILVER SPRING, MD 20905-5748
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	EQUITY NATL TTL & CLOSING SV

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15209 WATERGATE RD, SILVER SPRING, MD 20905-5748

Mortgage

Document Number	0601380041
Date	Jul 27, 2020
Book Page	60138/41

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	351 Months
Due	Oct 1, 2049

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	15209 WATERGATE RD, SILVER SPRING, MD 20905-5748
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0637300242
Date	Aug 12, 2021
Book Page	63730/242

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	76024

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2036

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	15209 WATERGATE RD, SILVER SPRING, MD 20905-5748
Document Number	0589610485
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Feb 21, 2020
Title Company	EQUITY NATIONAL TITLE AND CLOSING, EQUITY NAT'L TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15209 WATERGATE RD SILVER SPRING MD 209055748, SILVER SPRING, MD 20905-5748

Mortgage

Document Number	0589610485
Date	Feb 3, 2020
Book Page	058961/000485

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 2, 2050

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Aug 6, 2018
Property Address	15209 WATERGATE RD, SILVER SPRING, MD 20905-5748
Document Number	0564220249
Book / Page	056422 / 000249
Instrument Date	Jul 13, 2018
Transaction Type	Transfer
Record Updated	Aug 16, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15209 WATERGATE RD SILVER SPRING MD 209055748, SILVER SPRING, MD 20905-5748

Mortgage

Document Number	564220258
Date	Aug 6, 2018
Book Page	056422/000258

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 5, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 15209 Watergate Rd was $6,364.

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		$587,200 (+6.26%) Land $294,900 Building $292,300	$587,200 (-) Land $294,900 Building $292,300
2025	$6,364.00	$552,600	$587,200 Land $294,900 Building $292,300
2023		$483,400 Land $294,900 Building $188,500	$483,400 Land $294,900 Building $188,500
2022	$4,983.00

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

Flood

FEMA maps place 15209 Watergate Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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

Wildfire risk around 15209 Watergate Rd is low, with less than a 0.01% annual chance of 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

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 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.

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