20604 Bell Bluff Rd, Gaithersburg, MD 20879 Property Records

Montgomery County property record for 20604 Bell Bluff Rd, Gaithersburg, MD 20879

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,386 sqft · built 1986
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on File
Last Sale	$485,000 (Jul 2013)
Tax Bill	$5,668 (2025)
Deeds & Mortgages	May 2022 Mortgage Nov 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09-02481771`

Property Details

APN / Parcel Number

Primary APN	`09-02481771`
Alternative APN	`02481771`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,386 sqft Living Area
Gross Area	3,722 sqft
1st Floor Area	1,390 sqft
Basement Area	668 sqft
Finished Basement	668 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Bi-Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02481771
Street Address	20604 BELL BLUFF RD
City	GAITHERSBURG
State	MD
Zip	20879-1100
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R200
Legal Description	GOSHEN ESTATES
Legal Subdivision	GOSHEN ESTATES
Legal Block	R
Legal Lot Number	17
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	1
Census Block	1001
Census Tract	700810

Owner

20604 Bell Bluff Rd is owned and occupied by an individual who bought it in July 2013.

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

Owner of Record	Individual Name on File
Mailing Address	20604 BELL BLUFF RD, GAITHERSBURG, MD 20879-1100
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

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

Deeds, Mortgages & Sale History

Date	Document
May 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTY HOME MORTGAGE CORP
Feb 28, 2018	Deed of Trust, Mortgage · Commercial Mortgage SANDY SPRING BANK
Oct 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage STIFEL BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2013 · Amount on File
Deed Sale	Jul 26, 2013 · Amount on File
Prior Sale	Jul 5, 2000
Deed Book / Page	47329 / 87
Transfer Doc	0000184511
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	20604 BELL BLUFF RD, GAITHERSBURG, MD 20879-1100
Transaction Type	Mortgage
Record Updated	May 23, 2022
Title Company	ASSOCIATES TITLE, ASSOCIATES TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20604 BELL BLUFF RD, GAITHERSBURG, MD 20879-1100

Mortgage

Document Number	0657320422
Date	May 10, 2022
Book Page	65732/422

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	355 Months
Due	Dec 1, 2051

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	20604 BELL BLUFF RD, GAITHERSBURG, MD 20879-1100
Transaction Type	Mortgage
Record Updated	Dec 1, 2021
Title Company	ASSOCIATES TITLE, ASSOCIATES TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20604 BELL BLUFF RD, GAITHERSBURG, MD 20879-1100

Mortgage

Document Number	0645790233
Date	Nov 15, 2021
Book Page	64579/233

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	20604 BELL BLUFF RD, GAITHERSBURG, MD 20879-1100
Transaction Type	Mortgage
Record Updated	Apr 19, 2021
Title Company	CARDINAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0617940290
Date	Feb 5, 2021
Book Page	61794/290

Lender

Name	GUARANTY HOME MORTGAGE CORP
Type	Mortgage Company
Address	MURFREESBORO, TN 37129

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	20604 BELL BLUFF RD, GAITHERSBURG, MD 20879-1100
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MARYLAND TITLE CENTER LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0557060486
Date	Feb 28, 2018
Book Page	55706/486

Lender

Name	SANDY SPRING BANK
Type	Bank
Address	OLNEY, MD 20832

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	480 Months
Due	Feb 7, 2058

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	20604 BELL BLUFF RD, GAITHERSBURG, MD 20879-1100
Document Number	0586330163
Instrument Date	Oct 28, 2019
Transaction Type	Mortgage
Record Updated	Dec 27, 2019
Title Company	BOSTON NATIONAL TITLE, BOSTON NAT'L TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20604 BELL BLUFF RD GAITHERSBURG MD 208791100, GAITHERSBURG, MD 20879-1100

Mortgage

Document Number	0586330163
Date	Dec 5, 2019
Book Page	058633/000163

Lender

Name	STIFEL BK&TR
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 4, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 20604 Bell Bluff Rd was $5,668.

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		$595,200 (+11%) Land $200,000 Building $395,200	$595,200 (-) Land $200,000 Building $395,200
2025	$5,668.00	$536,200	$595,200 Land $200,000 Building $395,200
2023		$418,200 Land $194,400 Building $223,800	$418,200 Land $194,400 Building $223,800
2022	$4,330.00

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

Flood

FEMA maps place 20604 Bell Bluff Rd 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 20604 Bell Bluff Rd is low, with 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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 493 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

May also be available: T-Mobile.

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