2304 Cobble Hill Ter, Wheaton (Silver Spring), MD 20902 Property Records

Montgomery County property record for 2304 Cobble Hill Ter, Wheaton, MD 20902

Property Summary

Property Type	Townhouse
Details	3.5 ba · 1,738 sqft · built 2004
Lot Size	0.019 acres (820 sqft)
Owner	2 Individual Names on File
Last Sale	$460,000 (Oct 2019)
Tax Bill	$6,149 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-03419451`

Property Details

APN / Parcel Number

Primary APN	`13-03419451`
Alternative APN	`03419451`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,738 sqft Living Area
Gross Area	1,966 sqft
1st Floor Area	614 sqft
Basement Area	108 sqft
Finished Basement	108 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Townhouse
Exterior Material	Combination
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	820 sqft (0.019 acres)
Garage Type	Attached
Garage Area	228 sqft
Parking Spaces	2 Parking Spaces
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	03419451
Street Address	2304 COBBLE HILL TER
City	SILVER SPRING
State	MD
Zip	20902-7602
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	CRN1.
Legal Description	WHEATON FOREST
Legal Subdivision	WHEATON FOREST
Legal Block	B
Legal Lot Number	171
Jurisdiction	MONTGOMERY MD
Township / Civil Division	13
Census Block Group	1
Census Block	1010
Census Tract	703800

Owner

2304 Cobble Hill Ter, a townhouse, is owned and occupied by two individuals who bought it in October 2019.

Source: Montgomery County records, as of August 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2304 COBBLE HILL TER, SILVER SPRING, MD 20902-7602
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Oct 3, 2019	Grant Deed, Transfer · Conventional with PMI CENTURY LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2019 · Amount on File
Deed Sale	Oct 3, 2019 · Amount on File
Prior Sale	Oct 5, 2004 · Amount on File
Deed Book / Page	58238 / 383
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	2304 COBBLE HILL TER, WHEATON, MD 20902-7602
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	A1 TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2304 COBBLE HILL TER, WHEATON, MD 20902-7602

Mortgage

Document Number	0615470225
Date	Jan 7, 2021
Book Page	61547/225

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

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

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Oct 3, 2019
Property Address	2304 COBBLE HILL TER, WHEATON, MD 20902-7602
Document Number	0582380383
Book / Page	058238 / 000383
Instrument Date	Sep 13, 2019
Transaction Type	Transfer
Record Updated	Oct 22, 2019
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$460.00
Amount Accuracy	Confirmed
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	2304 COBBLE HILL TER SILVER SPRING MD 209027602, SILVER SPRING, MD 20902-7602

Mortgage

Document Number	582380390
Date	Oct 3, 2019
Book Page	058238/000390

Lender

Name	CENTURY LNDG
Address	LOUISVILLE, KY 40223

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 2, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2304 Cobble Hill Ter was $6,149.

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		$539,067 (+1.96%)	$559,800 (+5.88%) Land $160,000 Building $399,800
2025	$6,149.00	$528,700 Land $160,000 Building $368,700	$528,700 Land $160,000 Building $368,700
2023		$484,767	$528,700 Land $160,000 Building $368,700
2022	$5,008.00

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

Flood

FEMA maps place 2304 Cobble Hill Ter in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 12, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 2304 Cobble Hill Ter has no burnable land within ember reach, so its wildfire risk is not rated.

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 438 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 · Fiber in parts of the area	1,500 / 50

May also be available: T-Mobile.

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