Montgomery County property record for 2509 Spencer Rd, Silver Spring, MD 20910
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,610 sqft · built 1956 |
| Lot Size | 0.165 acres (7,205 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $190,200 (Oct 1996) |
| Tax Bill | $8,463 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Aug 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-01159565 |
| Primary APN | 13-01159565 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,610 sqft Living Area |
| Gross Area | 1,850 sqft |
| 1st Floor Area | 1,610 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Townhouse |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 7,205 sqft (0.165 acres) |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 240 sqft |
| Deck Area | 225 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 01159565 |
|---|---|
| Street Address | 2509 SPENCER RD |
| City | SILVER SPRING |
| State | MD |
| Zip | 20910-2346 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R60 |
| Legal Description | ROCK CREEK FOREST SE C 2 |
| Legal Subdivision | ROCK CREEK FOREST |
| Legal Block | 8 |
| Legal Lot Number | 13 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 13 |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 702700 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 2509 SPENCER RD, SILVER SPRING, MD 20910-2346 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 3, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIRST SAVINGS MORTGAGE CORP |
| Aug 12, 2018 | Deed of Trust, Mortgage · Conventional Mortgage UNISON AGREEMENT CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 31, 1996 · Amount on Record |
| Deed Sale | Oct 31, 1996 · Amount on Record |
| Prior Sale | Aug 12, 1996 |
| Deed Document Number | 199680760 |
| Deed Book / Page | 14469 / 330 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 2509 SPENCER RD, SILVER SPRING, MD 20910-2346 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2026 |
| Title Company | MONARCH LAND TITLE INC, MONARCH TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 2509 SPENCER RD, SILVER SPRING, MD 20910-2346 |
| Document Number | 0700960331 |
|---|---|
| Date | Feb 3, 2026 |
| Book Page | 70096/331 |
| Name | FIRST SAVINGS MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | MC LEAN, VA 22102 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 2509 SPENCER RD, SILVER SPRING, MD 20910-2346 |
| Document Number | 0566270304 |
| Instrument Date | Aug 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2018 |
| Title Company | BCHH INC |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 2509 SPENCER RD SILVER SPRING MD 209102346, SILVER SPRING, MD 20910-2346 |
| Document Number | 0566270304 |
|---|---|
| Date | Sep 19, 2018 |
| Book Page | 056627/000304 |
| Name | UNISON AGREEMENT CORP |
|---|---|
| Address | SAN FRANCISCO, CA 94108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $745,900 (+3%) | $767,600 (-) Land $366,500 Building $401,100 | |
| 2025 | $8,463.00 (+19.6%) | $724,200 (+7.51%) | $767,600 (+9.27%) Land $366,500 Building $401,100 |
| 2023 | $673,633 | $702,500 Land $366,500 Building $336,000 | |
| 2022 | $7,076.00 |
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 |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Nearby Flood Policies | 10 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 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.
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 241 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 |
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