Montgomery County property record for 2821 Gunarette Way, Silver Spring, MD 20906
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,104 sqft · built 1985 |
| Lot Size | 0.244 acres (10,625 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $475,000 (Apr 2014) |
| Tax Bill | $7,237 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Jan 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-02305074 |
| Primary APN | 13-02305074 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,104 sqft Living Area |
| Gross Area | 3,632 sqft |
| 1st Floor Area | 1,144 sqft |
| Basement Area | 840 sqft |
| Finished Basement | 840 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Bi-Level |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,625 sqft (0.244 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 200 sqft |
| Deck Area | 180 sqft |
| Patio Area | 112 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 02305074 |
|---|---|
| Street Address | 2821 GUNARETTE WAY |
| City | SILVER SPRING |
| State | MD |
| Zip | 20906-1865 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R200 |
| Legal Description | HOMECREST |
| Legal Subdivision | WALLACES SUB |
| Legal Block | 1 |
| Legal Lot Number | 23 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 13 |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 703220 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 2821 GUNARETTE WAY, SILVER SPRING, MD 20906-1865 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 29, 2026 | Deed of Trust, Mortgage · Conventional Mortgage BANK FUND STAFF FEDERAL CREDIT UNION |
| Jan 19, 2022 | Deed of Trust, Mortgage · Line of Credit BANK-FUND STAFF FCU |
| Dec 15, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage BANK-FUND STAFF FCU |
| Apr 14, 2017 | Deed of Trust, Mortgage · ARM BANK-FUND STAFF FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 18, 2014 · Amount on Record |
| Deed Sale | Apr 18, 2014 · Amount on Record |
| Prior Sale | Mar 11, 2003 · Amount on Record |
| Deed Book / Page | 48540 / 447 |
| Last Transfer Date | Dec 8, 2021 |
| Transfer Doc | 0648290379 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | May 29, 2026 |
| Property Address | 2821 GUNARETTE WAY, SILVER SPRING, MD 20906-1865 |
| Document Number | 7054000408 |
| Book / Page | 70541 / 408 |
| Instrument Date | May 22, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner, 167 |
| Address | 2821 GUNARETTE WAY, SILVER SPRING, MD 20906-1865 |
| Document Number | 7054000408, |
|---|---|
| Date | May 29, 2026 |
| Book Page | 70541/408 |
| Name | BANK FUND STAFF FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 2821 GUNARETTE WAY, SILVER SPRING, MD 20906-1865 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2022 |
| Title Company | CORPORATE SETTLEMENTS, CORPORATE SETTLEMENT SLN |
| Name | Verified Name |
|---|---|
| Address | 2821 GUNARETTE WAY, SILVER SPRING, MD 20906-1865 |
| Document Number | 0650740030 |
|---|---|
| Date | Jan 19, 2022 |
| Book Page | 65074/30 |
| Name | BANK-FUND STAFF FCU |
|---|---|
| Type | Credit Union |
| Address | WASHINGTON, DC 20006 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jan 31, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Dec 15, 2021 |
| Property Address | 2821 GUNARETTE WAY, SILVER SPRING, MD 20906-1865 |
| Document Number | 0648290379 |
| Book / Page | 64829 / 379 |
| Map Reference | MB 122 PL 14327 |
| Instrument Date | Dec 8, 2021 |
| Transaction Type | Transfer |
| Record Updated | Dec 28, 2021 |
| Title Company | PEAK SETTLEMENTS LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 2821 GUNARETTE WAY, SILVER SPRING, MD 20906-1865 |
| Document Number | 0064829382 |
|---|---|
| Date | Dec 15, 2021 |
| Instrument | 64829/382 |
| Name | BANK-FUND STAFF FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.5% |
| Type Change Date | Jan 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 4.5% |
| Index | 1-Year CMT |
| Max Rate | 8.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 2821 GUNARETTE WAY, SILVER SPRING, MD 20906-1865 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0541220290 |
|---|---|
| Date | Apr 14, 2017 |
| Book Page | 54122/290 |
| Name | BANK-FUND STAFF FCU |
|---|---|
| Type | Credit Union |
| Address | WASHINGTON, DC 20006 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Apr 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.25% |
| Index | 1-Year CMT |
| Max Rate | 9.25% |
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 | $709,633 (+1.87%) | $735,700 (+5.61%) Land $163,100 Building $572,600 | |
| 2025 | $7,237.00 (-6.8%) | $696,600 (+27.35%) Land $163,100 Building $533,500 | $696,600 (-) Land $163,100 Building $533,500 |
| 2024 | $7,765.00 (+35.16%) | ||
| 2023 | $547,000 | $696,600 Land $163,100 Building $533,500 | |
| 2022 | $5,745.00 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% 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 283 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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