2515 Spencer Rd, Silver Spring, MD 20910 Property Records

Montgomery County property record for 2515 Spencer Rd, Silver Spring, MD 20910

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,800 sqft · built 1956
Lot Size	0.205 acres (8,911 sqft)
Owner	2 Individual Names on Record
Last Sale	$620,000 (Dec 2020)
Tax Bill	$7,966 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-01159634`

Property Details

APN / Parcel Number

Primary APN	`13-01159634`
Alternative APN	`01159634`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,800 sqft Living Area
1st Floor Area	1,250 sqft
Basement Area	550 sqft
Finished Basement	550 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Townhouse
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	8,911 sqft (0.205 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	01159634
Street Address	2515 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 SECTION 2
Legal Subdivision	ROCK CREEK FOREST
Legal Block	8
Legal Lot Number	16
Jurisdiction	MONTGOMERY MD
Township / Civil Division	13
Census Block Group	1
Census Block	1012
Census Tract	702700

Owner

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	2515 SPENCER RD, SILVER SPRING, MD 20910-2346
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2026	Deed of Trust, Mortgage · Line of Credit BANK FUND STAFF FEDERAL CREDIT UNION
Dec 30, 2020	Deed, Transfer · Conventional Mortgage BANK-FUND STAFF FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2020 · Amount on Record
Deed Sale	Dec 30, 2020 · Amount on Record
Prior Sale	Jun 9, 1994 · Amount on Record
Deed Book / Page	61473 / 287
Prior Transfer Date	Jan 21, 2011
Prior Transfer Doc	204529
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Recording Date	Jun 15, 2026
Property Address	2515 SPENCER RD, SILVER SPRING, MD 20910-2346
Document Number	7060000317
Book / Page	70608 / 317
Instrument Date	Jun 10, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	2515 SPENCER RD, SILVER SPRING, MD 20910-2346

Mortgage

Document Number	7060000317,
Date	Jun 15, 2026
Book Page	70608/317

Lender

Name	BANK FUND STAFF FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2056

Interest

Rate	6.36%
Max Rate	-1%

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Dec 30, 2020
Property Address	2515 SPENCER RD, SILVER SPRING, MD 20910-2346
Document Number	0614730287
Book / Page	61473 / 287
Map Reference	MB 51 PL 4000
Instrument Date	Dec 11, 2020
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2515 SPENCER RD, SILVER SPRING, MD 20910-2346

Mortgage

Document Number	61473299
Date	Dec 30, 2020
Instrument	61473/299

Lender

Name	BANK-FUND STAFF FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

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		$699,333 (+2.68%)	$717,600 (-) Land $379,300 Building $338,300
2025	$7,966.00 (-4.72%)	$681,067 (+6.68%)	$717,600 (+8.27%) Land $379,300 Building $338,300
2024	$8,361.00 (+24.11%)
2023		$638,433	$662,800 Land $379,300 Building $283,500
2022	$6,737.00

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

Flood

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.

Wildfire

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 340 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

May also be available: AT&T, T-Mobile.

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