Montgomery County property record for 209 Central Ave, Gaithersburg, MD 20877
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,526 sqft · built 2024 |
| Lot Size | 0.465 acres (20,274 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $257,500 (Nov 2023) |
| Tax Bill | $8,342 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Nov 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-03818184 |
| Primary APN | 09-03818184 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 3,526 sqft Living Area |
| Gross Area | 4,151 sqft |
| 1st Floor Area | 1,420 sqft |
| Basement Area | 910 sqft |
| Finished Basement | 910 sqft |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 20,274 sqft (0.465 acres) |
| Garage Type | Attached |
| Garage Area | 625 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 164 sqft |
| Deck Area | 296 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 03818184 |
|---|---|
| Street Address | 209 CENTRAL AVE |
| City | GAITHERSBURG |
| State | MD |
| Zip | 20877-1217 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R90 |
| Legal Description | OAKMONT |
| Legal Subdivision | WMS RANGE ETC |
| Legal Block | 2 |
| Legal Lot Number | 29 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 9 |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 700728 |
Source: Montgomery County records, as of August 17, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 209 CENTRAL AVE, GAITHERSBURG, MD 20877-1217 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 30, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC UNION BANK |
| Nov 6, 2023 | Deed, Transfer · Conventional Mortgage SANDY SPRING BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 6, 2023 · Amount on Record |
| Deed Sale | Nov 6, 2023 · Amount on Record |
| Deed Book / Page | 67524 / 87 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 209 CENTRAL AVE, GAITHERSBURG, MD 20877-1217 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2026 |
| Title Company | KVS TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 209 CENTRAL AVE, GAITHERSBURG, MD 20877-1217 |
| Document Number | 0699840307 |
|---|---|
| Date | Dec 30, 2025 |
| Book Page | 69984/307 |
| Name | ATLANTIC UNION BANK |
|---|---|
| Type | Bank |
| Address | RESTON, VA 20191 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Nov 6, 2023 |
| Property Address | 209 CENTRAL AVE, GAITHERSBURG, MD 20877-1217 |
| Document Number | 0675240087 |
| Book / Page | 67524 / 87 |
| Map Reference | PL 25967 |
| Instrument Date | Oct 16, 2023 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2023 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,287.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 217 CENTRAL AVE, GAITHERSBURG, MD 20877-1217 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 209 CENTRAL AVE, GAITHERSBURG, MD 20877-1217 |
| Document Number | 0006752496 |
|---|---|
| Date | Nov 6, 2023 |
| Instrument | 67524/96 |
| Name | SANDY SPRING BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Nov 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.37% |
| Type Change Date | Nov 1, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 4% |
| Max Rate At Change | 12.3% |
| Margin | 3 |
| Max Rate | 12.3% |
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 | $759,800 (+9.95%) Land $216,300 Building $543,500 | $759,800 (-) Land $216,300 Building $543,500 | |
| 2025 | $8,342.00 (+336.75%) | $691,033 (+299.21%) | $759,800 (+338.94%) Land $216,300 Building $543,500 |
| 2023 | $173,100 Land $173,100 | $173,100 Land $173,100 | |
| 2022 | $1,910.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 85% 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.
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 290 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 |
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