Montgomery County property record for 2860 Cairncross Ter, Silver Spring, MD 20906
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,771 sqft · built 1986 |
| Lot Size | 0.408 acres (17,771 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $499,320 (Apr 2017) |
| Tax Bill | $6,929 (2025) |
| Deeds & Mortgages | Oct 2023 Second Mortgage Jul 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-02540574 |
| Primary APN | 13-02540574 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,771 sqft Living Area |
| Gross Area | 3,343 sqft |
| 1st Floor Area | 1,518 sqft |
| Basement Area | 517 sqft |
| Finished Basement | 517 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Bi-Level |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 17,771 sqft (0.408 acres) |
| Garage Type | Attached |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 209 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Account Number | 02540574 |
|---|---|
| Street Address | 2860 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 | HOME CREST |
| Legal Subdivision | WALLACES SUB |
| Legal Block | 1 |
| Legal Lot Number | 60 |
| 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 | 2860 CAIRNCROSS TER, SILVER SPRING, MD 20906-1809 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 23, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Jul 7, 2020 | Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAP |
| Apr 21, 2017 | Deed, Transfer · Conventional Mortgage AURA MORTGAGE ADVISORS LLC |
| Apr 21, 2017 | Grant Deed, Transfer OTHER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 21, 2017 · Amount on Record |
| Deed Sale | Apr 21, 2017 · Amount on Record |
| Prior Sale | Apr 21, 2017 · Amount on Record |
| Deed Book / Page | 54166 / 7 |
| Transfer Doc | 0169190540 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 2860 CAIRNCROSS TER, SILVER SPRING, MD 20906-1809 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0674840037 |
|---|---|
| Date | Oct 23, 2023 |
| Book Page | 67484/37 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 2860 CAIRNCROSS TER, SILVER SPRING, MD 20906-1809 |
| Document Number | 0602990092 |
| Instrument Date | Jul 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2860 CAIRNCROSS TER SILVER SPRING MD 209061809, SILVER SPRING, MD 20906-1809 |
| Document Number | 0602990092 |
|---|---|
| Date | Aug 17, 2020 |
| Book Page | 060299/000092 |
| Name | RELIANCE FIRST CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | MELVILLE, NY 11747 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 16, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Apr 21, 2017 |
| Property Address | 2860 CAIRNCROSS TER, SILVER SPRING, MD 20906-1809 |
| Document Number | 0541660007 |
| Book / Page | 54166 / 007 |
| Map Reference | MB133 PL15422 |
| Instrument Date | Mar 13, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2860 CAIRNCROSS TER, SILVER SPRING, MD 20906-1809 |
| Document Number | 0005416614 |
|---|---|
| Date | Apr 21, 2017 |
| Instrument | 54166/14 |
| Name | AURA MORTGAGE ADVISORS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Apr 21, 2017 |
| Property Address | 2860 CAIRNCROSS TER, SILVER SPRING, MD 20906-1809 |
| Document Number | 0541660001 |
| Book / Page | 054166 / 000001 |
| Instrument Date | Mar 13, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2017 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Tax | $400.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2860 CAIRNCROSS TER SILVER SPRING MD 209061809, SILVER SPRING, MD 20906-1809 |
| Investor | Possibly a Property Investor |
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 | $618,067 (+2.72%) | $650,800 (+8.16%) Land $175,900 Building $474,900 | |
| 2025 | $6,929.00 (-1.01%) | $601,700 (+18.2%) Land $175,900 Building $425,800 | $601,700 (-) Land $175,900 Building $425,800 |
| 2024 | $7,000.00 (+41.47%) | ||
| 2023 | $509,033 | $601,700 Land $175,900 Building $425,800 | |
| 2022 | $4,948.00 |
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 95% of the US · lower than 90% 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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