20 S Summit Ave, Gaithersburg, MD 20877 Property Records

Montgomery County property record for 20 S Summit Ave, Gaithersburg, MD 20877

Property Summary

Property Type	Commercial Office
Details	5,355 sqft · built 1909
Lot Size	0.647 acres (28,199 sqft)
Owner	Company Name on File
Last Sale	$890,000 (Feb 2009)
Tax Bill	$12,491 (2025)
Deeds & Mortgages	May 2023 Mortgage Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-02949941`

Property Details

APN / Parcel Number

Primary APN	`09-02949941`
Alternative APN	`02949941`

Interior

Units	2 Units
Stories	2 Stories
Building Area	5,355 sqft Gross Area
1st Floor Area	4,248 sqft
Basement Area	864 sqft

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Construction Type	Brick
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	28,199 sqft (0.647 acres)
View / Lot	Commercial/Industrial
Porch	Enclosed Porch
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	A/C Chilled Water
Heating System	Hot Water
Sewer	Municipal

Location & Zoning

Account Number	02949941
Street Address	20 S SUMMIT AVE
City	GAITHERSBURG
State	MD
Zip	20877-2036
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Local Zoning Code	RB
Legal Description	MADDOX ADDITION TO GAITHERSBURG
Legal Subdivision	GAITHERSBURG TOWN
Legal Block	1
Legal Lot Number	3
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	1
Census Block	1006
Census Tract	700731

Owner

20 S Summit Ave, a commercial property, is owned by a company that bought it in February 2009.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	7929 LAKENHEATH WAY, POTOMAC, MD 20854-2735
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 17, 2023	Deed of Trust, Mortgage · Commercial Mortgage FULTON BANK NA
Feb 1, 2018	Deed of Trust, Mortgage · Commercial Mortgage THE COLUMBIA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2009 · Amount on File
Deed Sale	Feb 27, 2009 · Amount on File
Prior Sale	May 30, 2006 · Amount on File
Deed Document Number	20094960
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	20 S SUMMIT AVE, GAITHERSBURG, MD 20877-2036
Transaction Type	Mortgage
Record Updated	Jun 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7676 NEW HAMPSHIRE AVE 300, 300, TAKOMA PARK, MD 20912-7515

Mortgage

Document Number	0670050011
Date	May 17, 2023
Book Page	67005/11

Lender

Name	FULTON BANK NA
Type	Bank
Address	CLARKSVILLE, MD 21029

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	20 S SUMMIT AVE, GAITHERSBURG, MD 20877-2036
Transaction Type	Mortgage
Record Updated	Mar 4, 2021
Title Company	EXPRESS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0555870370
Date	Feb 1, 2018
Book Page	55587/370

Lender

Name	THE COLUMBIA BANK
Type	Bank
Address	COLUMBIA, MD 21046

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 20 S Summit Ave was $12,491.

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		$900,400 (+2.07%) Land $479,600 Building $420,800	$900,400 (-) Land $479,600 Building $420,800
2025	$12,491.00	$882,100	$900,400 Land $479,600 Building $420,800
2023		$845,500 Land $435,900 Building $409,600	$845,500 Land $435,900 Building $409,600
2022	$11,181.00

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

Flood

FEMA maps place 20 S Summit Ave 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	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

Wildfire risk around 20 S Summit Ave 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	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 276 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
Astound Broadband Cable	1,500 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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