18004 Silver Leaf Dr, Gaithersburg, MD 20877 Property Records

Montgomery County property record for 18004 Silver Leaf Dr, Gaithersburg, MD 20877

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,284 sqft · built 1988
Lot Size	0.16 acres (6,952 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Jul 2022)
Tax Bill	$4,438 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-01914946`

Property Details

APN / Parcel Number

Primary APN	`09-01914946`
Alternative APN	`01914946`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,284 sqft Living Area
1st Floor Area	884 sqft
Basement Area	400 sqft
Finished Basement	400 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,952 sqft (0.16 acres)
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	01914946
Street Address	18004 SILVER LEAF DR
City	GAITHERSBURG
State	MD
Zip	20877-3763
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60
Legal Description	EMORY GROVE
Legal Subdivision	EMORY GROVE
Legal Block	N
Legal Lot Number	10
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	2
Census Block	2009
Census Tract	700729

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	18004 SILVER LEAF DR, GAITHERSBURG, MD 20877-3763
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage A Z MORTGAGE INC
Jul 1, 2022	Deed, Transfer · Conventional Mortgage BANK-FUND STAFF FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2022 · Amount on Record
Deed Sale	Jul 1, 2022 · Amount on Record
Prior Sale	Nov 23, 2005 · Amount on Record
Deed Book / Page	65985 / 193
Prior Transfer Date	Feb 14, 2013
Prior Transfer Doc	0464390370
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	18004 SILVER LEAF DR, GAITHERSBURG, MD 20877-3763
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18004 SILVER LEAF DR, MONTGOMERY VILLAGE, MD 20877-3763

Mortgage

Document Number	0636050318
Date	Jul 28, 2021
Book Page	63605/318

Lender

Name	A Z MORTGAGE INC
Type	Mortgage Company
Address	ROCKVILLE, MD 20850

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2036

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Jul 1, 2022
Property Address	18004 SILVER LEAF DR, GAITHERSBURG, MD 20877-3763
Document Number	0659850193
Book / Page	65985 / 193
Map Reference	MB 108 PL 12530
Instrument Date	Jun 30, 2022
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	COMMONWEALTH LAND TITLE INSURANCE COMPANY, COMMONWEALTH LAND TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	18004 SILVER LEAF DR, GAITHERSBURG, MD 20877-3763

Mortgage

Document Number	0065985198
Date	Jul 1, 2022
Instrument	65985/198

Lender

Name	BANK-FUND STAFF FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Jul 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.62%
Index	1-Year CMT
Max Rate	9.62%

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		$473,800 (+11.26%) Land $157,300 Building $316,500	$473,800 (-) Land $157,300 Building $316,500
2025	$4,438.00 (-7.48%)	$425,833 (+29.08%)	$473,800 (+43.62%) Land $157,300 Building $316,500
2024	$4,797.00 (+49.49%)
2023		$329,900 Land $157,300 Building $172,600	$329,900 Land $157,300 Building $172,600
2022	$3,209.00

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 95% of the US · lower than 90% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 468 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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