1804 Ladd St, Silver Spring, MD 20902 Property Records

Montgomery County property record for 1804 Ladd St, Silver Spring, MD 20902

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,262 sqft · built 1959
Lot Size	0.22 acres (9,600 sqft)
Owner	Individual Name on Record
Last Sale	$205,500 (Jun 2000)
Tax Bill	$5,327 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Aug 2023 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`13-01413431`

Property Details

APN / Parcel Number

Primary APN	`13-01413431`
Alternative APN	`01413431`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,262 sqft Living Area
1st Floor Area	1,281 sqft
Basement Area	300 sqft
Finished Basement	300 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Bi-Level
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	9,600 sqft (0.22 acres)
Porch	Open Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	01413431
Street Address	1804 LADD ST
City	SILVER SPRING
State	MD
Zip	20902-3525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R90
Legal Description	WEST CHESTER
Legal Subdivision	WESTCHESTER
Legal Block	G
Legal Lot Number	8
Jurisdiction	MONTGOMERY MD
Township / Civil Division	13
Census Block Group	3
Census Block	3010
Census Tract	703209

Owner

Source: Montgomery County records, as of October 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1804 LADD ST, SILVER SPRING, MD 20902-3525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Aug 18, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jun 26, 2023	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
May 24, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage NEWREZ LLC
Jan 15, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Feb 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2000 · Amount on Record
Deed Sale	Jun 20, 2000 · Amount on Record
Deed Document Number	2000181863
Deed Book / Page	18171 / 161
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Recording Date	Sep 23, 2026
Property Address	1804 LADD ST, SILVER SPRING, MD 20902-3525
Document Number	7095000063
Book / Page	70958 / 63
Instrument Date	Sep 18, 2026
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1804 LADD ST, SILVER SPRING, MD 20902-3525

Mortgage

Document Number	7095000063,
Date	Sep 23, 2026
Book Page	70958/63

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	1804 LADD ST, SILVER SPRING, MD 20902-3525
Transaction Type	Mortgage
Record Updated	Aug 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1804 LADD ST, SILVER SPRING, MD 20902-3525

Mortgage

Document Number	0672880429
Date	Aug 18, 2023
Book Page	67288/429

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	1804 LADD ST, SILVER SPRING, MD 20902-3525
Transaction Type	Mortgage
Record Updated	Jul 10, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1804 LADD ST, SILVER SPRING, MD 20902-3525

Mortgage

Document Number	0671340480
Date	Jun 26, 2023
Book Page	67134/480

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Feb 1, 2053

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTGOMERY MD
Recording Date	May 24, 2022
Property Address	1804 LADD ST, SILVER SPRING, MD 20902-3525
Document Number	0657980469
Book / Page	65798 / 469
Map Reference	MB 58 PL 4729
Instrument Date	May 18, 2022
Transaction Type	Transfer
Record Updated	Jun 9, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1804 LADD ST, 1804, SILVER SPRING, MD 20902-3525

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	1804 LADD ST, SILVER SPRING, MD 20902-3525

Mortgage

Document Number	0065798473
Date	May 24, 2022
Instrument	65798/473

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2037

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	1804 LADD ST, SILVER SPRING, MD 20902-3525
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0571040018
Date	Jan 15, 2019
Book Page	57104/018

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 20, 2049

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	1804 LADD ST, SILVER SPRING, MD 20902-3525
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AVENUE 365 LENDER SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0589710305
Date	Feb 4, 2020
Book Page	58971/305

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 1, 2030

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		$458,567 (+1.5%)	$472,100 (+4.49%) Land $208,800 Building $263,300
2025	$5,327.00 (-4.84%)	$451,800 (+14.73%) Land $208,800 Building $243,000	$451,800 (-) Land $208,800 Building $243,000
2024	$5,598.00 (+40.44%)
2023		$393,800	$451,800 Land $208,800 Building $243,000
2022	$3,986.00

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	1 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 93% of the US · lower than 85% 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 443 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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