Montgomery County property record for 2824 Cairncross Ter, Silver Spring, MD 20906
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,426 sqft · built 1986 |
| Lot Size | 0.515 acres (22,431 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $675,000 (Sep 2021) |
| Tax Bill | $7,675 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage May 2019 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-02540506 |
| Primary APN | 13-02540506 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,426 sqft Living Area |
| Gross Area | 3,286 sqft |
| 1st Floor Area | 1,476 sqft |
| Basement Area | 950 sqft |
| Finished Basement | 950 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 22,431 sqft (0.515 acres) |
| Garage Type | Attached |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 88 sqft |
| Deck Area | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 02540506 |
|---|---|
| Street Address | 2824 CAIRNCROSS TER |
| City | SILVER SPRING |
| State | MD |
| Zip | 20906-1809 |
| 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 | 53 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2824 CAIRNCROSS TER, SILVER SPRING, MD 20906-1809 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 20, 2021 | Deed, Transfer · Conventional Mortgage FIRST SAVINGS MORTGAGE CORP |
| May 20, 2019 | Deed of Trust, Mortgage · Line of Credit EDUCATIONAL SYSTEMS FCU |
| Aug 7, 2020 | Quit Claim Deed, Transfer · VA Mortgage CALIBER HM LOANS |
| Nov 25, 2019 | Deed, Transfer · VA Mortgage PRESIDENTIAL BANK FSB |
| Jul 28, 2017 | Deed of Trust, Mortgage · Conventional Mortgage USAA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 20, 2021 · Amount on Record |
| Deed Sale | Sep 20, 2021 · Amount on Record |
| Prior Sale | Aug 7, 2020 |
| Deed Book / Page | 64066 / 376 |
| Prior Transfer Date | Jul 23, 2020 |
| Prior Transfer Doc | 0602200042 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Sep 20, 2021 |
| Property Address | 2824 CAIRNCROSS TER, SILVER SPRING, MD 20906-1809 |
| Document Number | 0640660376 |
| Book / Page | 64066 / 376 |
| Map Reference | MB 133 |
| Instrument Date | Aug 26, 2021 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2021 |
| Title Company | UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $10,125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2824 CAIRNCROSS TER, SILVER SPRING, MD 20906-1809 |
| Document Number | 64066383 |
|---|---|
| Date | Sep 20, 2021 |
| Instrument | 64066/383 |
| Name | FIRST SAVINGS MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 2824 CAIRNCROSS TER, SILVER SPRING, MD 20906-1809 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | MORTGAGE INFORMATION SERVICE |
| Name | Verified Name |
|---|
| Document Number | 0575840116 |
|---|---|
| Date | May 20, 2019 |
| Book Page | 57584/116 |
| Name | EDUCATIONAL SYSTEMS FCU |
|---|---|
| Type | Credit Union |
| Address | GREENBELT, MD 20770 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 19, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Aug 7, 2020 |
| Property Address | 2824 CAIRNCROSS TER, SILVER SPRING, MD 20906-1809 |
| Document Number | 0602200042 |
| Book / Page | 060220 / 000042 |
| Instrument Date | Jul 23, 2020 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2020 |
| Title Company | VISIONET SYSTEMS INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2824 CAIRNCROSS TER SILVER SPRING MD 209061809, SILVER SPRING, MD 20906-1809 |
| Document Number | 602200047 |
|---|---|
| Date | Aug 7, 2020 |
| Book Page | 060220/000047 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 6, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Nov 25, 2019 |
| Property Address | 2824 CAIRNCROSS TER, SILVER SPRING, MD 20906-1809 |
| Document Number | 0585640455 |
| Book / Page | 58564 / 455 |
| Map Reference | MB 133 PL 15442 |
| Instrument Date | Oct 11, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2021 |
| Title Company | MONARCH TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,875.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2824 CAIRNCROSS TER, SILVER SPRING, MD 20906-1809 |
| Document Number | 58564461 |
|---|---|
| Date | Nov 25, 2019 |
| Instrument | 58564/461 |
| Name | PRESIDENTIAL BANK FSB |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 2824 CAIRNCROSS TER, SILVER SPRING, MD 20906-1809 |
| Document Number | 0551230100 |
| Book / Page | 055123 / 000100 |
| Instrument Date | Jul 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2017 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 2824 CAIRNCROSS TER SILVER SPRING MD 209061809, SILVER SPRING, MD 20906-1809 |
| Document Number | 0551230100 |
|---|---|
| Date | Oct 23, 2017 |
| Book Page | 055123/000100 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 22, 2032 |
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 | $673,267 (+2.99%) | $712,400 (+8.98%) Land $182,200 Building $530,200 | |
| 2025 | $7,675.00 (-0.52%) | $653,700 (+17.27%) Land $182,200 Building $471,500 | $653,700 (-) Land $182,200 Building $471,500 |
| 2024 | $7,715.00 (+38.21%) | ||
| 2023 | $557,433 | $653,700 Land $182,200 Building $471,500 | |
| 2022 | $5,582.00 |
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 |
|---|---|
| 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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