20609 Bell Bluff Rd, Gaithersburg, MD 20879 Property Records

Montgomery County property record for 20609 Bell Bluff Rd, Gaithersburg, MD 20879

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,012 sqft · built 1986
Lot Size	0.482 acres (20,978 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Apr 2026)
Tax Bill	$6,173 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-02481862`

Property Details

APN / Parcel Number

Primary APN	`09-02481862`
Alternative APN	`02481862`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,012 sqft Living Area
Gross Area	3,630 sqft
1st Floor Area	1,980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Bi-Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	20,978 sqft (0.482 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	198 sqft
Deck Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02481862
Street Address	20609 BELL BLUFF RD
City	GAITHERSBURG
State	MD
Zip	20879-1116
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R200
Legal Description	GOSHEN ESTATES
Legal Subdivision	GOSHEN ESTATES
Legal Block	S
Legal Lot Number	32
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	1
Census Block	1001
Census Tract	700810

Owner

20609 Bell Bluff Rd is owned and occupied by two individuals who bought it in April 2026.

Source: Montgomery County records, as of August 21, 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	2 Individual Names on File
Mailing Address	20609 BELL BLUFF RD, GAITHERSBURG, MD 20879-1116
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Deed, Transfer · FHA Mortgage NORWICH COMMERCAL GROUP
Apr 1, 2026	Deed, Transfer · FHA Mortgage NORWICH COMMERCAL GROUP
Nov 24, 2025	Intrafamily Transfer, Transfer · Commercial Mortgage CHAMPIONS FUNDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2026 · Amount on File
Deed Sale	Apr 1, 2026 · Amount on File
Deed Book / Page	70310 / 13
Record Updated	Oct 29, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Apr 1, 2026
Property Address	20609 BELL BLUFF RD, GAITHERSBURG, MD 20879-1116
Document Number	0703100013
Book / Page	70310 / 13
Instrument Date	Feb 20, 2026
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	PRIME TITLE GROUP LLC, PRIME TITLE GROUP

Transaction

Amount	Amount on Record
Tax	$505,000.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	20609 BELL BLUFF RD, GAITHERSBURG, MD 20879-1116

Mortgage

Document Number	7031000022,
Date	Apr 1, 2026
Book Page	70310/22

Lender

Name	NORWICH COMMERCAL GROUP

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

Interest

Rate	7.12%
Max Rate	-1%

Mortgage

Document Number	7031000235,
Date	Apr 1, 2026
Book Page	70310/235

Lender

Name	NORWICH COMMERCAL GROUP

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	30 Months
Due	Mar 1, 2056

Interest

Rate	6.01%
Max Rate	-1%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Apr 1, 2026
Property Address	20609 BELL BLUFF RD, GAITHERSBURG, MD 20879-1116
Document Number	7031000013
Book / Page	70310 / 13
Instrument Date	Feb 20, 2026
Transaction Type	Transfer
Record Updated	Apr 15, 2026
Title Company	PRIME TITLE GROUP LLC, PRIME TITLE GROUP

Transaction

Amount	Amount on Record
Tax	$505,000.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	20609 BELL BLUFF RD, GAITHERSBURG, MD 20879-1116

Mortgage

Document Number	7031000022,
Date	Apr 1, 2026
Book Page	70310/22

Lender

Name	NORWICH COMMERCAL GROUP

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

Interest

Rate	6.01%
Max Rate	-1%

Mortgage

Document Number	7031000235,
Date	Apr 1, 2026
Book Page	70310/235

Lender

Name	NORWICH COMMERCAL GROUP

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	30 Months
Due	Mar 1, 2056

Interest

Rate	6.01%
Max Rate	-1%

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTGOMERY MD
Recording Date	Nov 24, 2025
Property Address	20609 BELL BLUFF RD, GAITHERSBURG, MD 20879-1116
Document Number	0698620103
Book / Page	69862 / 103
Map Reference	MB 131 PL 15186
Instrument Date	Nov 18, 2025
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20609 BELL BLUFF RD, GAITHERSBURG, MD 20879-1116

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17398 SLIGO LOOP, DUMFRIES, VA 22026-3349

Mortgage

Document Number	0069862109
Date	Nov 24, 2025
Instrument	69862/109

Lender

Name	CHAMPIONS FUNDING LLC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 20609 Bell Bluff Rd was $6,173, down 3.2% from the year before.

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		$636,400 (+10.53%) Land $226,400 Building $410,000	$636,400 (-) Land $226,400 Building $410,000
2025	$6,173.00 (-3.2%)	$575,767	$636,400 Land $226,400 Building $410,000
2024	$6,377.00
2023		$454,500 Land $222,700 Building $231,800	$454,500 Land $222,700 Building $231,800
2022	$4,731.00

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

Flood

FEMA maps place 20609 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 20609 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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