281 Kepler Dr, Gaithersburg, MD 20878 Property Records

Montgomery County property record for 281 Kepler Dr, Gaithersburg, MD 20878

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,546 sqft · built 2017
Lot Size	0.03 acres (1,300 sqft)
Owner	2 Individual Names on File
Last Sale	$867,750 (Oct 2025)
Tax Bill	$9,858 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Feb 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`09-03741524`

Property Details

APN / Parcel Number

Primary APN	`09-03741524`
Alternative APN	`03741524`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,546 sqft Living Area
Gross Area	2,966 sqft
1st Floor Area	853 sqft
Attic	Attic
Attic Area	400 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,300 sqft (0.03 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	294 sqft
Deck Area	57 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	03741524
Street Address	281 KEPLER DR
City	GAITHERSBURG
State	MD
Zip	20878-4659
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	RMX
Legal Description	CROWN FARM PLAT OF CORRECTION 25044
Legal Subdivision	CROWN FARM
Legal Block	B
Legal Lot Number	38
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	3
Census Block	3022
Census Tract	700839

Owner

281 Kepler Dr, a townhouse, is owned and occupied by two individuals who bought it in October 2025.

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	281 KEPLER DR, GAITHERSBURG, MD 20878-4659
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2025	Deed, Transfer · Conventional Mortgage TRUIST BANK
Feb 27, 2018	Grant Deed, Subdivision Related Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2025 · Amount on File
Deed Sale	Oct 14, 2025 · Amount on File
Prior Sale	Feb 27, 2018 · Amount on File
Deed Book / Page	69707 / 83
Record Updated	Sep 20, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Oct 14, 2025
Property Address	281 KEPLER DR, GAITHERSBURG, MD 20878-4659
Document Number	0697070083
Book / Page	69707 / 83
Map Reference	PL 25044
Instrument Date	Oct 3, 2025
Transaction Type	Transfer
Record Updated	Oct 29, 2025
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,338.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2210 ROSE MANOR CT, RICHMOND, TX 77469-4743

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	281 KEPLER DR, GAITHERSBURG, MD 20878-4659

Mortgage

Document Number	0006970788
Date	Oct 14, 2025
Instrument	69707/88

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.6%
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.6%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.6%

February 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Feb 27, 2018
Property Address	281 KEPLER DR, GAITHERSBURG, MD 20878-4659
Document Number	0557010433
Book / Page	055701 / 000433
Instrument Date	Feb 8, 2018
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 9, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$730.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5327 STERLING MANOR LN SUGAR LAND TX 774794697, SUGAR LAND, TX 77479-4697

Tax Assessment & Valuation

The 2025 property tax bill for 281 Kepler Dr was $9,858.

Source: Montgomery County assessment roll, as of August 17, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$757,600 (+3.05%) Land $250,000 Building $507,600	$757,600 (-) Land $250,000 Building $507,600
2025	$9,858.00	$735,167	$757,600 Land $250,000 Building $507,600
2023		$690,300 Land $250,000 Building $440,300	$690,300 Land $250,000 Building $440,300
2022	$8,851.00

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

Flood

FEMA maps place 281 Kepler Dr in Zone X, an area of minimal flood risk.

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

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

The area around 281 Kepler Dr 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 582 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

May also be available: T-Mobile.

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