2231 Luzerne Ave, Silver Spring, MD 20910 Property Records

Montgomery County property record for 2231 Luzerne Ave, Silver Spring, MD 20910

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,200 sqft · built 1951
Lot Size	0.154 acres (6,686 sqft)
Owner	Individual Name on Record
Last Sale	$689,000 (Apr 2024)
Tax Bill	$8,195 (2025)
Deeds & Mortgages	Apr 2024 Sale Aug 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-01418386`

Property Details

APN / Parcel Number

Primary APN	`13-01418386`
Alternative APN	`01418386`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Multi-Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,686 sqft (0.154 acres)
Garage Type	Detached
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Patio Area	250 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	01418386
Street Address	2231 LUZERNE AVE
City	SILVER SPRING
State	MD
Zip	20910-2138
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60
Legal Description	NORTH WOODSIDE SEC 3
Legal Subdivision	NORTH WOODSIDE
Legal Block	D
Legal Lot Number	16
Jurisdiction	MONTGOMERY MD
Township / Civil Division	13
Census Block Group	2
Census Block	2022
Census Tract	702800

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	Individual Name on Record
Mailing Address	2231 LUZERNE AVE, SILVER SPRING, MD 20910-2138
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2024	Deed, Transfer KVS TITLE LLC
Aug 1, 2022	Special Warranty Deed, Transfer · VA Mortgage CMG MORTGAGE INC
Jan 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY DIRECT MORTGAGE LLC
Oct 7, 2019	Special Warranty Deed, Transfer · Conventional Mortgage FIDELITY DIRECT MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2024 · Amount on Record
Deed Sale	Apr 4, 2024 · Amount on Record
Prior Sale	Aug 1, 2022 · Amount on Record
Deed Book / Page	67877 / 274
Record Updated	Sep 20, 2026

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Apr 4, 2024
Property Address	2231 LUZERNE AVE, SILVER SPRING, MD 20910-2138
Document Number	0678770274
Book / Page	67877 / 274
Map Reference	MB 37 PL 2591
Instrument Date	Mar 15, 2024
Transaction Type	Transfer
Record Updated	Apr 19, 2024
Title Company	KVS TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$1,722.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	2231 LUZERNE AVE, SILVER SPRING, MD 20910-2138

August 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Aug 1, 2022
Property Address	2231 LUZERNE AVE, SILVER SPRING, MD 20910-2138
Document Number	0660880259
Book / Page	66088 / 259
Map Reference	MB 37 PL 2591
Instrument Date	Jul 11, 2022
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$7,762.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5825 PLAINVIEW RD, 5825, BETHESDA, MD 20817-6150

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2231 LUZERNE AVE, SILVER SPRING, MD 20910-2138

Mortgage

Document Number	0066088270
Date	Aug 1, 2022
Instrument	66088/270

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	2231 LUZERNE AVE, SILVER SPRING, MD 20910-2138
Transaction Type	Mortgage
Record Updated	May 17, 2021
Title Company	FIRST TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2231 LUZERNE AVE, SILVER SPRING, MD 20910-2138

Mortgage

Document Number	0616310323
Date	Jan 15, 2021
Book Page	61631/323

Lender

Name	FIDELITY DIRECT MORTGAGE LLC
Type	Mortgage Company
Address	GAITHERSBURG, MD 20878

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

October 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Oct 7, 2019
Property Address	2231 LUZERNE AVE, SILVER SPRING, MD 20910-2138
Document Number	0582520492
Book / Page	58252 / 492
Map Reference	MB 37 PL 2591
Instrument Date	Aug 30, 2019
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	TITLE FORWARD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2231 LUZERNE AVE, SILVER SPRING, MD 20910-2138

Mortgage

Document Number	58252500
Date	Oct 7, 2019
Instrument	58252/500

Lender

Name	FIDELITY DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2049

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		$655,700 (+2.33%)	$670,600 (-) Land $337,600 Building $333,000
2025	$8,195.00 (+49.16%)	$640,800 (+13.68%)	$670,600 (+7.14%) Land $337,600 Building $333,000
2023		$563,667	$625,900 Land $302,500 Building $323,400
2022	$5,494.00

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 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	3 (2018–2021)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2021 · rainfall accumulation

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	Low lower than 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 470 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Starry.

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