Montgomery County property record for 20 Cullinan Dr, Gaithersburg, MD 20878
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,156 sqft · built 1973 |
| Lot Size | 0.219 acres (9,559 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $459,900 (Jun 2013) |
| Tax Bill | $6,123 (2025) |
| Deeds & Mortgages | Apr 2023 Second Mortgage Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-01520684 |
| Primary APN | 09-01520684 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,156 sqft Living Area |
| 1st Floor Area | 1,452 sqft |
| Basement Area | 400 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Bi-Level |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 9,559 sqft (0.219 acres) |
| Garage Type | Carport |
| Garage Area | 396 sqft |
| Carport | Carport |
| Carport Area | 396 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 88 sqft |
| Deck Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 01520684 |
|---|---|
| Street Address | 20 CULLINAN DR |
| City | GAITHERSBURG |
| State | MD |
| Zip | 20878-1812 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R90 |
| Legal Description | WEST RIDING |
| Legal Subdivision | WEST RIDING |
| Legal Block | C |
| Legal Lot Number | 5 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 9 |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 700823 |
20 Cullinan Dr is owned and occupied by two individuals who bought it in June 2013.
Source: Montgomery County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 CULLINAN DR, GAITHERSBURG, MD 20878-1812 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 19, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Jul 15, 2021 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Feb 15, 2020 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 14, 2013 · Amount on File |
| Deed Sale | Jun 14, 2013 · Amount on File |
| Prior Sale | Jun 8, 2000 · Amount on File |
| Deed Book / Page | 47015 / 468 |
| Transfer Doc | 0191540777 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 20 CULLINAN DR, GAITHERSBURG, MD 20878-1812 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 20 CULLINAN DR, GAITHERSBURG, MD 20878-1812 |
| Document Number | 0669150224 |
|---|---|
| Date | Apr 19, 2023 |
| Book Page | 66915/224 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 20 CULLINAN DR, GAITHERSBURG, MD 20878-1812 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2021 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 20 CULLINAN DR, GAITHERSBURG, MD 20878-1812 |
| Document Number | 0635050001 |
|---|---|
| Date | Jul 15, 2021 |
| Book Page | 63505/1 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 20 CULLINAN DR, GAITHERSBURG, MD 20878-1812 |
| Document Number | 0592360388 |
| Instrument Date | Feb 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 11, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 20 CULLINAN DR GAITHERSBURG MD 208781812, GAITHERSBURG, MD 20878-1812 |
| Document Number | 0592360388 |
|---|---|
| Date | Mar 16, 2020 |
| Book Page | 059236/000388 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Mar 15, 2060 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 20 Cullinan Dr was $6,123, down 4.1% from the year before.
Source: Montgomery County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Montgomery County |
| Municipality | Gaithersburg City |
| Unified School District | Montgomery County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $522,400 (+5.78%) Land $216,900 Building $305,500 | $522,400 (-) Land $216,900 Building $305,500 | |
| 2025 | $6,123.00 (-4.15%) | $493,833 | $522,400 Land $216,900 Building $305,500 |
| 2024 | $6,388.00 | ||
| 2023 | $436,700 Land $216,900 Building $219,800 | $436,700 Land $216,900 Building $219,800 | |
| 2022 | $5,009.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Cullinan Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.
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 (1979) |
| Most Recent Claim | Oct 1979 · tidal / storm surge |
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 risk around 20 Cullinan 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 97% of the US · lower than 94% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 434 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 |
| Astound Broadband Cable | 1,500 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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