305 Reserve Gate Ter, Sandy Spring (Silver Spring), MD 20905 Property Records

Montgomery County property record for 305 Reserve Gate Ter, Sandy Spring, MD 20905

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 5,069 sqft · built 2004
Lot Size	0.294 acres (12,784 sqft)
Owner	2 Individual Names on Record
Last Sale	$950,000 (Sep 2004)
Tax Bill	$11,785 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-03396688`

Property Details

APN / Parcel Number

Primary APN	`08-03396688`
Alternative APN	`03396688`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,069 sqft Living Area
Gross Area	5,531 sqft
1st Floor Area	2,218 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Utility Area	288 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Bi-Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	12,784 sqft (0.294 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	417 sqft
Deck Area	350 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	03396688
Street Address	305 RESERVE GATE TER
City	SANDY SPRING
State	MD
Zip	20905-5040
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RNC
Legal Description	THE RESERVE AT ASHTON
Legal Subdivision	BROOKE GROVE
Legal Block	A
Legal Lot Number	14
Jurisdiction	MONTGOMERY MD
Township / Civil Division	8
Census Block Group	1
Census Block	1006
Census Tract	701316

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	305 RESERVE GATE TER, SANDY SPRING, MD 20905-5040
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE
Mar 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2004 · Amount on Record
Deed Sale	Sep 9, 2004 · Amount on Record
Deed Document Number	200417783
Deed Book / Page	28211 / 419
Last Transfer Date	Feb 24, 2010
Transfer Doc	0000158905
Record Updated	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	305 RESERVE GATE TER, SANDY SPRING, MD 20905-5040
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0581080153
Date	Sep 4, 2019
Book Page	58108/153

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23451

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jul 1, 2049

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	305 RESERVE GATE TER, SANDY SPRING, MD 20905-5040
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 RESERVE GATE TER, SANDY SPRING, MD 20905-5040

Mortgage

Document Number	0623460176
Date	Mar 29, 2021
Book Page	62346/176

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23451

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 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		$1,080,700 (+5.47%) Land $242,300 Building $838,400	$1,080,700 (-) Land $242,300 Building $838,400
2025	$11,785.00 (+20.71%)	$1,024,667 (+12.28%)	$1,080,700 (+18.42%) Land $242,300 Building $838,400
2023		$912,600 Land $242,300 Building $670,300	$912,600 Land $242,300 Building $670,300
2022	$9,763.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (1994–2012)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2012 · Hurricane Sandy

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	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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