2106 Spencer Rd, Silver Spring, MD 20910 Property Records

Montgomery County property record for 2106 Spencer Rd, Silver Spring, MD 20910

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,984 sqft · built 1940
Lot Size	0.147 acres (6,387 sqft)
Owner	2 Individual Names on Record
Last Sale	$353,000 (Jan 2024)
Tax Bill	$7,306 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jan 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-01148403`

Property Details

APN / Parcel Number

Primary APN	`13-01148403`
Alternative APN	`01148403`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,984 sqft Living Area
Gross Area	2,194 sqft
1st Floor Area	872 sqft
Basement Area	240 sqft
Finished Basement	240 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Bi-Level
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	6,387 sqft (0.147 acres)
Garage Type	Attached
Garage Area	210 sqft
Parking Spaces	1 Parking Space
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	01148403
Street Address	2106 SPENCER RD
City	SILVER SPRING
State	MD
Zip	20910-5017
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60
Legal Description	ROSEMARY HILLS
Legal Subdivision	ROSEMARY HILLS
Legal Block	A
Legal Lot Number	10
Jurisdiction	MONTGOMERY MD
Township / Civil Division	13
Census Block Group	1
Census Block	1013
Census Tract	702700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Washington Heights Historic District listed 2006 · 347 contributing resources · NRIS 06000875

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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	2106 SPENCER RD, SILVER SPRING, MD 20910-5017
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage SOFI BANK NA
Jan 3, 2024	Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2024 · Amount on Record
Deed Sale	Jan 3, 2024 · Amount on Record
Prior Sale	May 13, 2003
Deed Book / Page	67660 / 159
Transfer Doc	0000270618
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	2106 SPENCER RD, SILVER SPRING, MD 20910-5017
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	TSI TITLE AND ESCROW, SILK TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2106 SPENCER RD, SILVER SPRING, MD 20910-5017

Mortgage

Document Number	0701500239
Date	Feb 18, 2026
Book Page	70150/239

Lender

Name	SOFI BANK NA
Type	Bank
Address	SALT LAKE CITY, UT 84121

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2046

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Jan 3, 2024
Property Address	2106 SPENCER RD, SILVER SPRING, MD 20910-5017
Document Number	0676600159
Book / Page	67660 / 159
Map Reference	MB 19 PL 1174
Instrument Date	Dec 21, 2023
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	NOT AVAILABLE, RGS TITLE OF BETH

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,765.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2106 SPENCER RD, SILVER SPRING, MD 20910-5017

Mortgage

Document Number	0067660165
Date	Jan 3, 2024
Instrument	67660/165

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

Tax Assessment & Valuation

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		$626,633 (+9.94%)	$683,300 (-) Land $335,400 Building $347,900
2025	$7,306.00 (+11.19%)	$569,967 (+11.5%)	$683,300 (+33.12%) Land $335,400 Building $347,900
2024	$6,571.00 (+19.08%)
2023		$511,167	$513,300 Land $335,400 Building $177,900
2022	$5,518.00

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

Flood

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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 379 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 · Fiber in parts of the area	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Starry.

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