309 Waterford Rd, Silver Spring, MD 20901 Property Records

Montgomery County property record for 309 Waterford Rd, Silver Spring, MD 20901

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,992 sqft · built 1940
Lot Size	0.132 acres (5,762 sqft)
Owner	2 Individual Names on File
Last Sale	$790,031 (Apr 2026)
Tax Bill	$6,358 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2021 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`13-01412653`

Property Details

APN / Parcel Number

Primary APN	`13-01412653`
Alternative APN	`01412653`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,992 sqft Living Area
1st Floor Area	1,166 sqft
Basement Area	275 sqft
Finished Basement	275 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Bi-Level
Exterior Material	Combination
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,762 sqft (0.132 acres)
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	01412653
Street Address	309 WATERFORD RD
City	SILVER SPRING
State	MD
Zip	20901-2535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60
Legal Description	WARRENTON VILLAGE
Legal Subdivision	WARRENTON VILLAGE
Legal Block	C
Legal Lot Number	5
Jurisdiction	MONTGOMERY MD
Township / Civil Division	13
Census Block Group	3
Census Block	3013
Census Tract	702102

Owner

309 Waterford Rd is owned and occupied by two individuals who bought it in April 2026.

Source: Montgomery County records, as of August 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	309 WATERFORD RD, SILVER SPRING, MD 20901-2535
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Feb 16, 2021	Deed of Trust, Mortgage · Line of Credit SKYPOINT FEDERAL CREDIT UNION
Apr 6, 2026	Deed, Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB
Apr 6, 2026	Deed, Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB
Jun 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Feb 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage CREDIT UNION MORTGAGE ASSOCIATION INC
Feb 16, 2021	Deed of Trust, Mortgage · Line of Credit SKYPOINT FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2026 · Amount on File
Deed Sale	Apr 6, 2026 · Amount on File
Prior Sale	Nov 19, 2010 · Amount on File
Deed Book / Page	70326 / 337
Transfer Doc	0000191938
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	309 WATERFORD RD, SILVER SPRING, MD 20901-2535
Transaction Type	Mortgage
Record Updated	Apr 20, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0626840392
Date	Apr 21, 2021
Book Page	62684/392

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	236 Months
Due	Dec 1, 2040

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	309 WATERFORD RD, SILVER SPRING, MD 20901-2535
Transaction Type	Mortgage
Record Updated	Apr 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0618980044
Date	Feb 16, 2021
Book Page	61898/44

Lender

Name	SKYPOINT FEDERAL CREDIT UNION
Type	Credit Union
Address	GERMANTOWN, MD 20874

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 15, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Apr 6, 2026
Property Address	309 WATERFORD RD, SILVER SPRING, MD 20901-2535
Document Number	7032000337
Book / Page	70326 / 337
Instrument Date	Apr 2, 2026
Transaction Type	Transfer
Record Updated	Apr 16, 2026
Title Company	BRAY TITLE, BAY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$797,931.31
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	309 WATERFORD RD, SILVER SPRING, MD 20901-2535

Mortgage

Document Number	7032000346,
Date	Apr 6, 2026
Book Page	70326/346

Lender

Name	PRESIDENTIAL BANK FSB

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Apr 6, 2026
Property Address	309 WATERFORD RD, SILVER SPRING, MD 20901-2535
Document Number	0703260337
Book / Page	70326 / 337
Instrument Date	Apr 2, 2026
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	BRAY TITLE, BAY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$797,931.31
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	309 WATERFORD RD, SILVER SPRING, MD 20901-2535

Mortgage

Document Number	7032000346,
Date	Apr 6, 2026
Book Page	70326/346

Lender

Name	PRESIDENTIAL BANK FSB

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	309 WATERFORD RD, SILVER SPRING, MD 20901-2535
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0576830291
Date	Jun 7, 2019
Book Page	57683/291

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2034

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	309 WATERFORD RD, SILVER SPRING, MD 20901-2535
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	CU TITLE INSURANCE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0590120307
Date	Feb 10, 2020
Book Page	59012/307

Lender

Name	CREDIT UNION MORTGAGE ASSOCIATION INC
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 1, 2040

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	309 WATERFORD RD, SILVER SPRING, MD 20901-2535
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0618980044
Date	Feb 16, 2021
Book Page	61898/44

Lender

Name	SKYPOINT FEDERAL CREDIT UNION
Type	Credit Union
Address	GERMANTOWN, MD 20874

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 15, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 309 Waterford Rd was $6,358, up 10.7% from the year before.

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		$526,767 (+9.46%)	$572,300 (-) Land $220,300 Building $352,000
2025	$6,358.00 (+10.65%)	$481,233	$572,300 Land $220,300 Building $352,000
2024	$5,746.00
2023		$432,833	$435,700 Land $220,300 Building $215,400
2022	$4,706.00

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

Flood

FEMA maps place 309 Waterford Rd 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

Wildfire risk around 309 Waterford Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 85% 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.

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

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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