Montgomery County property record for 20820 Bell Bluff Rd, Gaithersburg, MD 20879
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,202 sqft · built 1977 |
| Lot Size | 1.05 acres (45,875 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $220,000 (Jan 2003) |
| Tax Bill | $6,212 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-01743305 |
| Primary APN | 09-01743305 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,202 sqft Living Area |
| Gross Area | 3,778 sqft |
| 1st Floor Area | 1,176 sqft |
| Basement Area | 850 sqft |
| Finished Basement | 850 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Bi-Level |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 45,875 sqft |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 01743305 |
|---|---|
| Street Address | 20820 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 | 2 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 9 |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 700810 |
20820 Bell Bluff Rd is owned and occupied by two individuals who bought it in January 2003.
Source: Montgomery County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20820 BELL BLUFF RD, GAITHERSBURG, MD 20879-1112 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 15, 2003 · Amount on File |
| Deed Sale | Jan 15, 2003 · Amount on File |
| Prior Sale | Dec 2, 1998 |
| Deed Document Number | 2003260666 |
| Deed Book / Page | 22802 / 484 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 20820 Bell Bluff Rd was $6,212.
Source: Montgomery County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Montgomery County |
| Unified School District | Montgomery County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $635,400 (+10.58%) Land $262,500 Building $372,900 | $635,400 (-) Land $262,500 Building $372,900 | |
| 2025 | $6,212.00 | $574,600 | $635,400 Land $262,500 Building $372,900 |
| 2023 | $453,000 Land $241,900 Building $211,100 | $453,000 Land $241,900 Building $211,100 | |
| 2022 | $4,774.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20820 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 risk around 20820 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.
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 |
| 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.
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 |
5G (outdoors only) and 4G LTE
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