18012 Silver Leaf Dr, Gaithersburg, MD 20877 Property Records

Montgomery County property record for 18012 Silver Leaf Dr, Gaithersburg, MD 20877

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,974 sqft · built 1988
Lot Size	0.163 acres (7,113 sqft)
Owner	Individual Name on File
Last Sale	$460,000 (Apr 2017)
Tax Bill	$6,283 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-01914968`

Property Details

APN / Parcel Number

Primary APN	`09-01914968`
Alternative APN	`01914968`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,974 sqft Living Area
Gross Area	3,502 sqft
1st Floor Area	1,312 sqft
Basement Area	750 sqft
Finished Basement	750 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Bi-Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,113 sqft (0.163 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	180 sqft
Deck Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	01914968
Street Address	18012 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 9440/34
Legal Subdivision	EMORY GROVE
Legal Block	N
Legal Lot Number	12
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	2
Census Block	2009
Census Tract	700729

Owner

18012 Silver Leaf Dr is owned and occupied by an individual who bought it in April 2017.

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

Owner of Record	Individual Name on File
Mailing Address	18012 SILVER LEAF DR, GAITHERSBURG, MD 20877-3763
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Oct 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK-FUND STAFF FCU
Apr 24, 2018	Deed of Trust, Mortgage · ARM BANK-FUND STAFF FCU
Apr 26, 2017	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 26, 2017 · Amount on File
Deed Sale	Apr 26, 2017 · Amount on File
Prior Sale	Feb 11, 2014 · Amount on File
Deed Book / Page	54191 / 483
Prior Transfer Date	Dec 14, 2010
Prior Transfer Doc	0420810093
Record Updated	Sep 20, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	18012 SILVER LEAF DR, GAITHERSBURG, MD 20877-3763
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0583170282
Date	Oct 16, 2019
Book Page	58317/282

Lender

Name	BANK-FUND STAFF FCU
Type	Credit Union
Address	WASHINGTON, DC 20006

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	18012 SILVER LEAF DR, GAITHERSBURG, MD 20877-3763
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0559300335
Date	Apr 24, 2018
Book Page	55930/335

Lender

Name	BANK-FUND STAFF FCU
Type	Credit Union
Address	WASHINGTON, DC 20006

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Apr 1, 2025
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Apr 26, 2017
Property Address	18012 SILVER LEAF DR, GAITHERSBURG, MD 20877-3763
Document Number	0541910483
Book / Page	54191 / 483
Map Reference	MB108 PG12530
Instrument Date	Apr 7, 2017
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	TITLE TOWN SETTLEMENT LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,750.00
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
Address	1802 SILVER LEAF DR, GAITHERSBURG, MD 20877

Mortgage

Document Number	0541910491
Date	Apr 26, 2017
Book Page	54191/491

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 18012 Silver Leaf Dr was $6,283, down 2% 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		$601,200 (+7.45%) Land $157,900 Building $443,300	$601,200 (-) Land $157,900 Building $443,300
2025	$6,283.00 (-1.95%)	$559,500	$601,200 Land $157,900 Building $443,300
2024	$6,408.00
2023		$476,100 Land $157,900 Building $318,200	$476,100 Land $157,900 Building $318,200
2022	$4,811.00

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

Flood

FEMA maps place 18012 Silver Leaf Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 18012 Silver Leaf Dr 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 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.

Nearby Properties on Silver Leaf Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures