189 Kepler Dr, Gaithersburg, MD 20878 Property Records

Montgomery County property record for 189 Kepler Dr, Gaithersburg, MD 20878

Property Summary

Property Type	Townhouse
Details	4 ba · 1,912 sqft · built 2016
Lot Size	0.024 acres (1,040 sqft)
Owner	2 Individual Names on Record
Last Sale	$620,000 (Jun 2018)
Tax Bill	$8,097 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-03735955`

Property Details

APN / Parcel Number

Primary APN	`09-03735955`
Alternative APN	`03735955`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	3 Stories
Building Area	1,912 sqft Living Area
Gross Area	2,248 sqft
1st Floor Area	644 sqft
Attic	Attic
Attic Area	464 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,040 sqft (0.024 acres)
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	160 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	03735955
Street Address	189 KEPLER DR
City	GAITHERSBURG
State	MD
Zip	20878-4657
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	MXD
Legal Description	CROWN FARM
Legal Subdivision	CROWN FARM
Legal Block	B
Legal Lot Number	17
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	3
Census Block	3022
Census Tract	700839

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	189 KEPLER DR, GAITHERSBURG, MD 20878-4657
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP
Jun 26, 2018	Grant Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2018 · Amount on Record
Deed Sale	Jun 26, 2018 · Amount on Record
Prior Sale	Nov 10, 2016 · Amount on Record
Deed Book / Page	56226 / 337
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	189 KEPLER DR, GAITHERSBURG, MD 20878-4657
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	EAGLE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0607870147
Date	Oct 16, 2020
Book Page	60787/147

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Jun 26, 2018
Property Address	189 KEPLER DR, GAITHERSBURG, MD 20878-4657
Document Number	0562260337
Book / Page	056226 / 000337
Instrument Date	Jun 14, 2018
Transaction Type	Transfer
Record Updated	Jul 11, 2018
Title Company	FLYNN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$620.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	189 KEPLER DR GAITHERSBURG MD 208784657, GAITHERSBURG, MD 20878-4657

Mortgage

Document Number	562260345
Date	Jun 26, 2018
Book Page	056226/000345

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2048

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Montgomery County
Municipality	Gaithersburg City
Unified School District	Montgomery County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$671,600 (+2.84%) Land $250,000 Building $421,600	$671,600 (-) Land $250,000 Building $421,600
2025	$8,097.00 (+11.88%)	$653,033 (+6.03%)	$671,600 (+9.04%) Land $250,000 Building $421,600
2023		$615,900 Land $250,000 Building $365,900	$615,900 Land $250,000 Building $365,900
2022	$7,237.00

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

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	Not rated no burnable land within 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 582 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

May also be available: T-Mobile.

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