Montgomery County property record for 200 Central Ave, Gaithersburg, MD 20877
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,789 sqft · built 1935 |
| Lot Size | 0.981 acres (42,750 sqft) |
| Owner | Individual Name on File |
| Last Sale | $169,000 (Oct 1995) |
| Tax Bill | $4,291 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-00772596 |
| Primary APN | 09-00772596 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,789 sqft Living Area |
| 1st Floor Area | 1,153 sqft |
| Basement Area | 300 sqft |
| Finished Basement | 300 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Architectural Style | Multi-Level |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 42,750 sqft (0.981 acres) |
| Porch | Enclosed Porch |
| Porch Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 00772596 |
|---|---|
| Street Address | 200 CENTRAL AVE |
| City | GAITHERSBURG |
| State | MD |
| Zip | 20877-1218 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R90 |
| Legal Description | PT 13 OAKMONT 2348/4 1 8399/307/309 |
| Legal Subdivision | WMS RANGE ETC |
| Legal Block | 3 |
| Legal Lot Number | 15 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 9 |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 700728 |
200 Central Ave is owned and occupied by an individual who bought it in October 1995.
Source: Montgomery County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 200 CENTRAL AVE, GAITHERSBURG, MD 20877-1218 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Sep 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC |
| Oct 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 3, 1995 · Amount on File |
| Deed Sale | Oct 3, 1995 · Amount on File |
| Prior Sale | Oct 3, 1995 · Amount on File |
| Deed Book / Page | 13667 / 373 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 200 CENTRAL AVE, GAITHERSBURG, MD 20877-1218 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|---|
| Address | 200 CENTRAL AVE, GAITHERSBURG, MD 20877-1218 |
| Document Number | 0606340179 |
|---|---|
| Date | Sep 30, 2020 |
| Book Page | 60634/179 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 200 CENTRAL AVE, GAITHERSBURG, MD 20877-1218 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 200 CENTRAL AVE, GAITHERSBURG, MD 20877-1218 |
| Document Number | 0643430058 |
|---|---|
| Date | Oct 21, 2021 |
| Book Page | 64343/58 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Nov 1, 2041 |
The 2025 property tax bill for 200 Central Ave was $4,291.
Source: Montgomery County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Montgomery County |
| Unified School District | Montgomery County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $382,900 (+7.4%) Land $239,500 Building $143,400 | $382,900 (-) Land $239,500 Building $143,400 | |
| 2025 | $4,291.00 | $356,533 | $382,900 Land $239,500 Building $143,400 |
| 2023 | $303,800 Land $196,300 Building $107,500 | $303,800 Land $196,300 Building $107,500 | |
| 2022 | $3,307.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 200 Central 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 | 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 risk around 200 Central 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 93% of the US · lower than 85% 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 290 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 |
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