Montgomery County property record for 2304 Cranberry Ter, Silver Spring, MD 20906
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 4,262 sqft · built 1990 |
| Lot Size | 0.242 acres (10,528 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $317,000 (Jan 1993) |
| Tax Bill | $7,056 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Jan 2024 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-02795292 |
| Primary APN | 13-02795292 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,262 sqft Living Area |
| Gross Area | 4,682 sqft |
| 1st Floor Area | 2,036 sqft |
| Basement Area | 800 sqft |
| Finished Basement | 800 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Bi-Level |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 10,528 sqft (0.242 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 02795292 |
|---|---|
| Street Address | 2304 CRANBERRY TER |
| City | SILVER SPRING |
| State | MD |
| Zip | 20906-1045 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R200 |
| Legal Description | HAMMOND SUB |
| Legal Subdivision | HAMMOND SUB |
| Legal Block | 2 |
| Legal Lot Number | 25 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 13 |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 703221 |
2304 Cranberry Ter is owned and occupied by two individuals who bought it in January 1993.
Source: Montgomery County records, as of August 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2304 CRANBERRY TER, SILVER SPRING, MD 20906-1045 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 8, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION |
| Jan 24, 2024 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Dec 12, 2022 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 13, 1993 · Amount on File |
| Deed Sale | Jan 13, 1993 · Amount on File |
| Deed Book / Page | 11016 / 92 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Sep 8, 2026 |
| Property Address | 2304 CRANBERRY TER, SILVER SPRING, MD 20906-1045 |
| Document Number | 7091000158 |
| Book / Page | 70914 / 158 |
| Instrument Date | Aug 28, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2026 |
| Title Company | FEDERAL TITLE, NAVY FEDERAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 2304 CRANBERRY TER, SILVER SPRING, MD 20906-1045 |
| Document Number | 7091000158, |
|---|---|
| Date | Sep 8, 2026 |
| Book Page | 70914/158 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 2304 CRANBERRY TER, SILVER SPRING, MD 20906-1045 |
| Transaction Type | Mortgage |
| Record Updated | Feb 6, 2024 |
| Name | Verified Name |
|---|---|
| Address | 2304 CRANBERRY TER, SILVER SPRING, MD 20906-1045 |
| Document Number | 0677060160 |
|---|---|
| Date | Jan 24, 2024 |
| Book Page | 67706/160 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Jan 1, 2064 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 2304 CRANBERRY TER, SILVER SPRING, MD 20906-1045 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2304 CRANBERRY TER, SILVER SPRING, MD 20906-1045 |
| Document Number | 0665730001 |
|---|---|
| Date | Dec 12, 2022 |
| Book Page | 66573/1 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 2304 Cranberry Ter was $7,056.
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 | $653,200 (+4.25%) | $706,400 (+12.74%) Land $170,900 Building $535,500 | |
| 2025 | $7,056.00 | $626,600 Land $162,900 Building $463,700 | $626,600 Land $162,900 Building $463,700 |
| 2023 | $588,667 | $626,600 Land $162,900 Building $463,700 | |
| 2022 | $6,002.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2304 Cranberry Ter in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1989.
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 | 1 in force |
| Nearby Flood Claims | 1 (1989) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 1989 · 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 risk around 2304 Cranberry Ter is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 170 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
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