20816 Bell Bluff Rd, Gaithersburg, MD 20879 Property Records

Montgomery County property record for 20816 Bell Bluff Rd, Gaithersburg, MD 20879

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,852 sqft · built 1978
Lot Size	1.12 acres (49,020 sqft)
Owner	2 Individual Names on File
Last Sale	$780,000 (Jul 2024)
Tax Bill	$6,589 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Apr 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-01743316`

Property Details

APN / Parcel Number

Primary APN	`09-01743316`
Alternative APN	`01743316`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,852 sqft Living Area
Gross Area	3,428 sqft
1st Floor Area	1,176 sqft
Basement Area	500 sqft
Finished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Bi-Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	49,020 sqft
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	01743316
Street Address	20816 BELL BLUFF RD
City	GAITHERSBURG
State	MD
Zip	20879-1112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R200
Legal Description	GOSHEN ESTS
Legal Subdivision	GOSHEN ESTATES
Legal Block	R
Legal Lot Number	3
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	1
Census Block	1000
Census Tract	700810

Owner

20816 Bell Bluff Rd is owned and occupied by two individuals who bought it in July 2024.

Source: Montgomery County records, as of August 17, 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	20816 BELL BLUFF RD, GAITHERSBURG, MD 20879-1112
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2024	Deed of Trust, Mortgage · Stand-Alone First Mortgage CLEAR SKY FINANCIAL LLC
Apr 29, 2024	Deed of Trust, Mortgage · Conventional Mortgage FOREVER HOME BUYERS
Feb 8, 2024	Deed, Transfer · Line of Credit CLEAR SKY FINANCIAL LLC
Feb 8, 2024	Deed, Transfer CLASSIC SETTLEMENTS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2024 · Amount on File
Deed Sale	Jul 26, 2024 · Amount on File
Prior Sale	Feb 8, 2024 · Amount on File
Deed Book / Page	68230 / 477
Prior Transfer Date	Aug 7, 2012
Prior Transfer Doc	0445360147
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	20816 BELL BLUFF RD, GAITHERSBURG, MD 20879-1112
Transaction Type	Mortgage
Record Updated	May 14, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0677430221
Date	Feb 8, 2024
Book Page	67743/221

Lender

Name	CLEAR SKY FINANCIAL LLC
Address	BURKE, VA 22015

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	8 Months
Due	Sep 30, 2024

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	20816 BELL BLUFF RD, GAITHERSBURG, MD 20879-1112
Transaction Type	Mortgage
Record Updated	May 14, 2024
Title Company	TITLE-RITE SERVICES INC, TITLE RITE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0679460091
Date	Apr 29, 2024
Book Page	67946/91

Lender

Name	FOREVER HOME BUYERS
Type	Non-Lending Institution
Address	WOODBRIDGE, VA 22191

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Mar 31, 2025

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Feb 8, 2024
Property Address	20816 BELL BLUFF RD, GAITHERSBURG, MD 20879-1112
Document Number	0677430216
Book / Page	67743 / 216
Map Reference	MB 100 PL 11326
Instrument Date	Dec 18, 2023
Transaction Type	Transfer
Record Updated	Apr 18, 2024
Title Company	CLASSIC SETTLEMENTS INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7129 MCHENRY CT, REMINGTON, VA 22734-9471

Mortgage

Document Number	0677430221
Date	Feb 8, 2024
Book Page	67743/221

Lender

Name	CLEAR SKY FINANCIAL LLC
Address	BURKE, VA 22015

Agreement

Type	Line of Credit
Amount	Amount on Record

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Feb 8, 2024
Property Address	20816 BELL BLUFF RD, GAITHERSBURG, MD 20879-1112
Document Number	0677430216
Book / Page	67743 / 216
Map Reference	MB 100 PL 11326
Instrument Date	Dec 18, 2023
Transaction Type	Transfer
Record Updated	May 14, 2024
Title Company	CLASSIC SETTLEMENTS INC

Transaction

Amount	Amount on Record
Tax	$1,875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7129 MCHENRY CT, REMINGTON, VA 22734-9471

Tax Assessment & Valuation

The 2025 property tax bill for 20816 Bell Bluff Rd was $6,589, up 1.5% 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		$627,900 (+10.53%) Land $267,000 Building $360,900	$627,900 (-) Land $267,000 Building $360,900
2025	$6,589.00 (+1.46%)	$568,067	$627,900 Land $267,000 Building $360,900
2024	$6,494.00
2023		$448,400 Land $244,100 Building $204,300	$448,400 Land $244,100 Building $204,300
2022	$4,092.00

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

Flood

FEMA maps place 20816 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 20816 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	Direct burnable vegetation

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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

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