209 Cedar Ave, Gaithersburg, MD 20877 Property Records

Montgomery County property record for 209 Cedar Ave, Gaithersburg, MD 20877

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 973 sqft · built 1921
Lot Size	0.153 acres (6,668 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Jul 2026)
Tax Bill	$4,775 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-00826462`

Property Details

APN / Parcel Number

Primary APN	`09-00826462`
Alternative APN	`00826462`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	973 sqft Living Area
1st Floor Area	973 sqft
Basement Area	1 sqft

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Architectural Style	Townhouse
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	6,668 sqft (0.153 acres)

Exterior Amenities

Pool Area	512 sqft
Porch	Open Porch
Porch Area	84 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	00826462
Street Address	209 CEDAR AVE
City	GAITHERSBURG
State	MD
Zip	20877-1907
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R90
Legal Description	BROWNS ADDITION TO GAITHERSBURG
Legal Subdivision	BROWNS ADD GAITHERSBURG
Legal Block	2
Legal Lot Number	5
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	1
Census Block	1007
Census Tract	700731

Owner

209 Cedar Ave is owned and occupied by two individuals who bought it in July 2026.

Source: Montgomery County records, as of October 9, 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	209 CEDAR AVE, GAITHERSBURG, MD 20877-1907
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE
Jun 6, 2019	Deed of Trust, Mortgage · Line of Credit SANDY SPRING BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2026 · Amount on File
Deed Sale	Jul 28, 2026 · Amount on File
Prior Sale	Nov 5, 2014 · Amount on File
Deed Book / Page	70766 / 398
Prior Transfer Date	Apr 19, 2007
Prior Transfer Doc	0342160302
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Jul 28, 2026
Property Address	209 CEDAR AVE, GAITHERSBURG, MD 20877-1907
Document Number	7076000398
Book / Page	70766 / 398
Instrument Date	Jul 14, 2026
Transaction Type	Transfer
Record Updated	Aug 4, 2026
Title Company	DISTRICT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$530,250.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	209 CEDAR AVE, GAITHERSBURG, MD 20877-1907

Mortgage

Document Number	7076000404,
Date	Jul 28, 2026
Book Page	70766/404

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

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

Interest

Rate	6.52%
Max Rate	-1%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	209 CEDAR AVE, GAITHERSBURG, MD 20877-1907
Transaction Type	Mortgage
Record Updated	Mar 4, 2021
Title Company	MARYLAND TITLE CENTER LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0576740093
Date	Jun 6, 2019
Book Page	57674/093

Lender

Name	SANDY SPRING BANK
Type	Bank
Address	OLNEY, MD 20832

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	May 24, 2059

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 209 Cedar Ave was $4,775, up 6.2% from the year before.

Source: Montgomery County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Montgomery County
Municipality	Gaithersburg City
Unified School District	Montgomery County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$351,600 (+5.12%) Land $160,700 Building $190,900	$351,600 (-) Land $160,700 Building $190,900
2025	$4,775.00 (+6.23%)	$334,467	$351,600 Land $160,700 Building $190,900
2024	$4,495.00
2023		$300,200 (+4.67%) Land $160,700 Building $139,500	$300,200 (-) Land $160,700 Building $139,500
2022	$3,288.00	$286,800	$300,200 Land $160,700 Building $139,500

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

Flood

FEMA maps place 209 Cedar Ave 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 209 Cedar Ave is low, with less than 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 96% of the US · lower than 92% of Maryland
Wildfire Likelihood	Under 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 450 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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