23816 Echo Creek Ct, Gaithersburg, MD 20882 Property Records

Montgomery County property record for 23816 Echo Creek Ct, Gaithersburg, MD 20882 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	3.5 Baths
Year Built	Built 2000
Square Footage	4,980 sqft Living Area
Lot Size	1.01 acres
Garage	Attached, 138 sqft
Occupancy	Owner Occupied
Last Sale	$750,000 (2023)
Tax Bill	$10,066.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`12-03231880`
Alternative APN	`03231880`

Interior

Full Baths	3.5 Baths
Partial Baths	1 Partial Baths
Building Area	4,980 sqft Living Area
Gross Area	5,118 sqft Gross Area
1st Floor	1,983 sqft 1st Floor
Basement Area	1,400 sqft Basement
Finished Basement	1,400 sqft Finished
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Bi-Level Style
Construction Type	Frame Construction
Roof Material	Composition Shingle Roof
Lot Area	44,431 sqft
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	138 sqft Garage
Deck Area	253 sqft Deck
Porch	Open Porch
Porch Area	36 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	HVAC Heating
Sewage	Sewage Connected

Location & Zoning

Account Number	03231880
Street Address	23816 ECHO CREEK CT
City	GAITHERSBURG
State	MD
Zip	20882-3811
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	WOODFIELD ESTATES
Legal Subdivision	WOODFIELD ESTATES
Legal Block	C
Legal Lot Number	9
Jurisdiction	MONTGOMERY MD
Minor Civil Division	12
Census Blockgroup	3
Census Block	3012
Census Tract	700206

Owner

Source: Montgomery County records · APN 12-03231880

Assessment roll updated August 17, 2026 · Last verified August 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 File
Mailing Address	23816 ECHO CREEK CT, GAITHERSBURG, MD 20882-3811
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Jan 04, 2023	Deed, Transfer · Conventional Mortgage FIRST SAVINGS MORTGAGE CORP
Nov 15, 2017	Deed of Trust, Mortgage · Veterans Administration Mortgage MCLEAN MORTGAGE CORP
Jul 16, 2021	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH ONE FCU
Oct 28, 2020	Deed of Trust, Mortgage · Veterans Administration Mortgage FEDERAL SVGS BK
Feb 06, 2020	Deed of Trust, Mortgage · Veterans Administration Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 04, 2023 · Amount on Record
Deed Sale	Jan 04, 2023 · Amount on Record
Prior Sale	Nov 04, 2004 · Amount on Record
Deed Book / Page	66631 / 227
Record Refreshed	Sep 20, 2026

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Jan 04, 2023
Property Address	23816 ECHO CREEK CT, GAITHERSBURG, MD 20882-3811
Document Number	0666310227
Book / Page	66631 / 227
Map Reference	MB 189 PL 20785
Instrument Date	Dec 30, 2022
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	ASSURE TITLE, ASSURANCE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,750.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenant By Entirety
Address	23816 ECHO CREEK CT, GAITHERSBURG, MD 20882-3811

Mortgage

Document Number	0066631234
Date	Jan 04, 2023
Instrument	66631/234

Lender

Name	FIRST SAVINGS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2053

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	23816 ECHO CREEK CT, GAITHERSBURG, MD 20882-3811
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0552300247
Date	Nov 15, 2017
Book Page	55230/247

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2047

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	23816 ECHO CREEK CT, GAITHERSBURG, MD 20882-3811
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23816 ECHO CREEK CT, GAITHERSBURG, MD 20882-3811

Mortgage

Document Number	0635160117
Date	Jul 16, 2021
Book Page	63516/117

Lender

Name	COMMONWEALTH ONE FCU
Type	Credit Union
Address	ALEXANDRIA, VA 22304

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	23816 ECHO CREEK CT, GAITHERSBURG, MD 20882-3811
Document Number	0612300168
Instrument Date	Oct 28, 2020
Transaction Type	Mortgage
Record Updated	Jan 05, 2021
Title Company	BCHH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23816 ECHO CREEK CT GAITHERSBURG MD 208823811, GAITHERSBURG, MD 20882-3811

Mortgage

Document Number	0612300168
Date	Dec 01, 2020
Book Page	061230/000168

Lender

Name	FEDERAL SVGS BK
Type	Federal Savings Bank (FSB)
Address	CHICAGO, IL 60607

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 30, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	23816 ECHO CREEK CT, GAITHERSBURG, MD 20882-3811
Document Number	0591040156
Instrument Date	Feb 06, 2020
Transaction Type	Mortgage
Record Updated	Mar 12, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenant By Entirety
Address	23816 ECHO CREEK CT GAITHERSBURG MD 208823811, GAITHERSBURG, MD 20882-3811

Mortgage

Document Number	0591040156
Date	Feb 24, 2020
Book Page	059104/000156

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 23, 2050

Tax Assessment & Valuation

Source: Montgomery County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Montgomery County
Unified School District	Montgomery County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$909,267 (+3.88%)	$943,200 (-) Land $231,300 Building $711,900
2025	$10,066.00 (-1.99%)	$875,333 (+16.19%)	$943,200 (+12.1%) Land $231,300 Building $711,900
2024	$10,270.00 (+50.12%)
2023		$753,333	$841,400 Land $220,400 Building $621,000
2022	$6,841.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Montgomery County (24031C), updated April 12, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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

23816 Echo Creek Ct, Gaithersburg, MD 20882 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2023: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

October 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

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Nearby Streets

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