20701 Bell Bluff Rd, Gaithersburg, MD 20879 Property Records

Montgomery County property record for 20701 Bell Bluff Rd, Gaithersburg, MD 20879

Property Summary

Property Type	Single Family Home
Details	5 ba · 3,498 sqft · built 1977
Lot Size	1.23 acres (53,940 sqft)
Owner	2 Individual Names on File
Last Sale	$765,000 (Mar 2025)
Tax Bill	$8,287 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-01743657`

Property Details

APN / Parcel Number

Primary APN	`09-01743657`
Alternative APN	`01743657`

Interior

Full Baths	5 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	3,498 sqft Living Area
Gross Area	3,786 sqft
1st Floor Area	1,928 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Bi-Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	53,940 sqft
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	990 sqft
Porch	Open Porch
Porch Area	64 sqft
Deck Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	01743657
Street Address	20701 BELL BLUFF RD
City	GAITHERSBURG
State	MD
Zip	20879-1113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R200
Legal Description	GOSHEN ESTS
Legal Subdivision	GOSHEN ESTATES
Legal Block	S
Legal Lot Number	29
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	1
Census Block	1001
Census Tract	700810

Owner

20701 Bell Bluff Rd is owned and occupied by two individuals who bought it in March 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	20701 BELL BLUFF RD, GAITHERSBURG, MD 20879-1113
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Aug 1, 2017	Deed of Trust, Mortgage · ARM CAPITAL ONE NA
Nov 23, 2021	Special Warranty Deed, Transfer · Commercial Mortgage PRIMIS BANK
Aug 24, 2022	Re-recorded Document AESTAR LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2025 · Amount on File
Deed Sale	Mar 4, 2025 · Amount on File
Prior Sale	Aug 24, 2022 · Amount on File
Deed Book / Page	68922 / 427
Record Updated	Sep 20, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	20701 BELL BLUFF RD, GAITHERSBURG, MD 20879-1113
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0546730093
Date	Aug 1, 2017
Book Page	54673/093

Lender

Name	CAPITAL ONE NA
Type	Bank
Address	PLANO, TX 75024

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Aug 1, 2022
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.37%
Index	1-Year LIBOR
Max Rate	8.37%

November 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Nov 23, 2021
Property Address	20701 BELL BLUFF RD, GAITHERSBURG, MD 20879-1113
Document Number	0646720481
Book / Page	64672 / 481
Map Reference	MB 101 PL 11329
Instrument Date	Nov 10, 2021
Transaction Type	Transfer
Record Updated	Dec 13, 2021
Title Company	AESTAR LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	110 CHEVY CHASE ST APT 305, 110, GAITHERSBURG, MD 20878-6489

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	9200 CORPORATE BLVD STE 330, 330, ROCKVILLE, MD 20850-3864

Mortgage

Document Number	64672485
Date	Nov 23, 2021
Instrument	64672/485

Lender

Name	PRIMIS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

August 2022: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	MONTGOMERY MD
Recording Date	Aug 24, 2022
Property Address	20701 BELL BLUFF RD, GAITHERSBURG, MD 20879-1113
Document Number	0661750196
Book / Page	66175 / 196
Map Reference	MB 101 PL 11329
Instrument Date	Nov 10, 2021
Record Updated	Sep 8, 2022
Title Company	AESTAR LLC

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	110 CHEVY CHASE ST APT 305, 110, GAITHERSBURG, MD 20878-6489

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	9200 CORPORATE BLVD STE 330, 330, ROCKVILLE, MD 20850-3864

Tax Assessment & Valuation

The 2025 property tax bill for 20701 Bell Bluff Rd was $8,287.

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		$811,500 (+14.43%) Land $274,200 Building $537,300	$811,500 (-) Land $274,200 Building $537,300
2025	$8,287.00	$709,167	$811,500 Land $274,200 Building $537,300
2023		$504,500 Land $247,400 Building $257,100	$504,500 Land $247,400 Building $257,100
2022	$6,214.00

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

Flood

FEMA maps place 20701 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 20701 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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