Montgomery County property record for 225 Central Ave, Gaithersburg, MD 20877
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,430 sqft · built 2020 |
| Lot Size | 0.748 acres (32,600 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $240,000 (Sep 2020) |
| Tax Bill | $9,018 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Sep 2020 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-03807146 |
| Primary APN | 09-03807146 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,430 sqft Living Area |
| 1st Floor Area | 1,372 sqft |
| Basement Area | 686 sqft |
| Finished Basement | 686 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Bi-Level |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 32,600 sqft (0.748 acres) |
| Porch | Open Porch |
| Porch Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 03807146 |
|---|---|
| Street Address | 225 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 | 8 |
| 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 | 225 CENTRAL AVE, GAITHERSBURG, MD 20877-1217 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE MORTGAGE SERVICES INC |
| Sep 21, 2020 | Deed, Construction Loan · Construction Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 21, 2020 · Amount on Record |
| Deed Sale | Sep 21, 2020 · Amount on Record |
| Deed Book / Page | 60553 / 241 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 225 CENTRAL AVE, GAITHERSBURG, MD 20877-1217 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Title Company | LANDMARK TITLE, LANDMARK TITLE SERVICES INC |
| Name | Verified Name |
|---|---|
| Address | 225 CENTRAL AVE, GAITHERSBURG, MD 20877-1217 |
| Document Number | 0633560217 |
|---|---|
| Date | Jun 25, 2021 |
| Book Page | 63356/217 |
| Name | CORNERSTONE MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | GAITHERSBURG, MD 20877 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Sep 21, 2020 |
| Property Address | 225 CENTRAL AVE, GAITHERSBURG, MD 20877-1217 |
| Document Number | 0605530241 |
| Book / Page | 60553 / 241 |
| Map Reference | MB A FO 20 |
| Instrument Date | Sep 14, 2020 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 22, 2022 |
| Title Company | COUNSELORS TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,600.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1686 E GUDE DR, 1686, ROCKVILLE, MD 20850-1341 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10611 MIST HAVEN TER, ROCKVILLE, MD 20852-3443 |
| Document Number | 0060553247 |
|---|---|
| Date | Sep 21, 2020 |
| Instrument | 60553/247 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Oct 1, 2051 |
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 | $707,900 (+1.26%) Land $229,800 Building $478,100 | $707,900 (-) Land $229,800 Building $478,100 | |
| 2025 | $9,018.00 (+11.86%) | $699,067 (+2.59%) | $707,900 (+3.89%) Land $229,800 Building $478,100 |
| 2023 | $681,400 Land $186,600 Building $494,800 | $681,400 Land $186,600 Building $494,800 | |
| 2022 | $8,062.00 |
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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