20616 Bell Bluff Rd, Gaithersburg, MD 20879 Property Records

Montgomery County property record for 20616 Bell Bluff Rd, Gaithersburg, MD 20879

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,040 sqft · built 1985
Lot Size	0.507 acres (22,079 sqft)
Owner	Individual Name on File
Last Sale	$440,000 (May 2011)
Tax Bill	$5,956 (2025)
Deeds & Mortgages	Jan 2024 Transfer Jul 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-02481747`

Property Details

APN / Parcel Number

Primary APN	`09-02481747`
Alternative APN	`02481747`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,040 sqft Living Area
Gross Area	3,568 sqft
1st Floor Area	1,120 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Bi-Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	22,079 sqft (0.507 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	200 sqft
Shed	1 Shed
Shed Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02481747
Street Address	20616 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	14
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	1
Census Block	1001
Census Tract	700810

Owner

20616 Bell Bluff Rd is owned and occupied by an individual who acquired it in December 2023.

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

Owner of Record	Individual Name on File
Mailing Address	20616 BELL BLUFF RD, GAITHERSBURG, MD 20879-1100
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

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
Jan 3, 2024	Intrafamily Transfer, Transfer
Jul 27, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
May 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage SECURITYPLUS FCU
Mar 16, 2018	Quit Claim Deed, Transfer CHAMPION TITLE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2011 · Amount on File
Deed Sale	May 3, 2011 · Amount on File
Prior Sale	May 3, 2011 · Amount on File
Deed Document Number	201141542/0129
Deed Book / Page	41542 / 129
Last Transfer Date	Dec 19, 2023
Transfer Doc	0676620107
Record Updated	Sep 20, 2026

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTGOMERY MD
Recording Date	Jan 3, 2024
Property Address	20616 BELL BLUFF RD, GAITHERSBURG, MD 20879-1100
Document Number	0676620107
Book / Page	67662 / 107
Map Reference	MB 131 PL 15186
Instrument Date	Dec 19, 2023
Transaction Type	Transfer
Record Updated	Jan 16, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	20616 BELL BLUFF RD, GAITHERSBURG, MD 20879-1100

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	20616 BELL BLUFF RD, GAITHERSBURG, MD 20879-1100
Transaction Type	Mortgage
Record Updated	Sep 21, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20616 BELL BLUFF RD, GAITHERSBURG, MD 20879-1100

Mortgage

Document Number	0672250263
Date	Jul 27, 2023
Book Page	67225/263

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Aug 4, 2043

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	20616 BELL BLUFF RD, GAITHERSBURG, MD 20879-1100
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	EMERALD BAY ESCROW SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0595750307
Date	May 15, 2020
Book Page	59575/307

Lender

Name	SECURITYPLUS FCU
Type	Credit Union
Address	WINDSOR MILL, MD 21244

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Mar 16, 2018
Property Address	20616 BELL BLUFF RD, GAITHERSBURG, MD 20879-1100
Document Number	0557830142
Book / Page	055783 / 000142
Instrument Date	Feb 10, 2018
Transaction Type	Transfer
Record Updated	Apr 3, 2018
Title Company	CHAMPION TITLE AGENCY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20616 BELL BLUFF RD GAITHERSBURG MD 208791100, GAITHERSBURG, MD 20879-1100

Tax Assessment & Valuation

The 2025 property tax bill for 20616 Bell Bluff Rd was $5,956, down 3.1% 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		$607,100 (+10.17%) Land $228,000 Building $379,100	$607,100 (-) Land $228,000 Building $379,100
2025	$5,956.00 (-3.08%)	$551,033	$607,100 Land $228,000 Building $379,100
2024	$6,145.00
2023		$438,900 (-) Land $224,200 Building $214,700	$438,900 (-) Land $224,200 Building $214,700
2022	$4,558.00 Homeowner's exemption	$438,900 Land $224,200 Building $214,700	$438,900 Land $224,200 Building $214,700

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

Flood

FEMA maps place 20616 Bell Bluff Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 20616 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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