15304 Watergate Rd, Silver Spring, MD 20905 Property Records

Montgomery County property record for 15304 Watergate Rd, Silver Spring, MD 20905

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 5,328 sqft · built 1983
Lot Size	0.485 acres (21,107 sqft)
Owner	2 Individual Names on File
Last Sale	$1,200,000 (Jan 2025)
Tax Bill	$9,740 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Aug 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-01894632`

Property Details

APN / Parcel Number

Primary APN	`05-01894632`
Alternative APN	`01894632`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,328 sqft Living Area
Gross Area	5,952 sqft
1st Floor Area	2,512 sqft
Basement Area	945 sqft
Finished Basement	945 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Bi-Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	21,107 sqft (0.485 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Deck Area	252 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	01894632
Street Address	15304 WATERGATE RD
City	SILVER SPRING
State	MD
Zip	20905-5779
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R200
Legal Description	NORWOOD KNOLLS
Legal Subdivision	BEALLS MANOR
Legal Block	C
Legal Lot Number	15
Jurisdiction	MONTGOMERY MD
Township / Civil Division	5
Census Block Group	1
Census Block	1004
Census Tract	701407

Owner

15304 Watergate Rd is owned and occupied by two individuals who bought it in January 2025.

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	15304 WATERGATE RD, SILVER SPRING, MD 20905-5779
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Aug 28, 2019	Deed of Trust, Mortgage · Line of Credit SANDY SPRING BANK
May 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 24, 2018	Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2025 · Amount on File
Deed Sale	Jan 21, 2025 · Amount on File
Prior Sale	Oct 24, 2018 · Amount on File
Deed Book / Page	68808 / 256
Prior Transfer Date	Dec 8, 2011
Prior Transfer Doc	0429410180
Record Updated	Sep 20, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	15304 WATERGATE RD, SILVER SPRING, MD 20905-5779
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	TITLE TOWN SETTLEMENTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0583170392
Date	Oct 16, 2019
Book Page	58317/392

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Aug 1, 2049

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	15304 WATERGATE RD, SILVER SPRING, MD 20905-5779
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	MARYLAND TITLE CENTER LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0580810366
Date	Aug 28, 2019
Book Page	58081/366

Lender

Name	SANDY SPRING BANK
Type	Bank
Address	OLNEY, MD 20832

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Aug 6, 2059

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	15304 WATERGATE RD, SILVER SPRING, MD 20905-5779
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	BETTERS LAW TITLE & SETTLEMENT LLC, BETTERS LAW TTL & SETMNT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0628670365
Date	May 4, 2021
Book Page	62867/365

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	May 1, 2046

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Oct 24, 2018
Property Address	15304 WATERGATE RD, SILVER SPRING, MD 20905-5779
Document Number	0567880024
Book / Page	56788 / 024
Map Reference	MB107 PL12412
Instrument Date	Oct 5, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	RGS TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	15304 WATERGATE RD, SILVER SPRING, MD 20905-5779

Mortgage

Document Number	0005678830
Date	Oct 24, 2018
Instrument	56788/30

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 15304 Watergate Rd was $9,740, up 2.6% from the year before.

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		$906,600 (+8.82%) Land $258,500 Building $648,100	$906,600 (-) Land $258,500 Building $648,100
2025	$9,740.00 (+2.65%)	$833,133	$906,600 Land $258,500 Building $648,100
2024	$9,489.00
2023		$686,200 Land $258,500 Building $427,700	$686,200 Land $258,500 Building $427,700
2022	$7,534.00

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

Flood

FEMA maps place 15304 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 15304 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 94% of the US · lower than 89% 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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