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

Montgomery County property record for 317 Reserve Gate Ter, Sandy Spring, MD 20905

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 4,712 sqft · built 2005
Lot Size	0.383 acres (16,683 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Mar 2004)
Tax Bill	$11,603 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Mar 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-03396644`

Property Details

APN / Parcel Number

Primary APN	`08-03396644`
Alternative APN	`03396644`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,712 sqft Living Area
Gross Area	5,192 sqft
1st Floor Area	2,356 sqft
Basement Area	1 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	16,683 sqft (0.383 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	03396644
Street Address	317 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	10
Jurisdiction	MONTGOMERY MD
Township / Civil Division	8
Census Block Group	1
Census Block	1006
Census Tract	701316

Owner

317 Reserve Gate Ter is owned and occupied by two individuals who bought it in March 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	317 RESERVE GATE TER, SANDY SPRING, MD 20905-5040
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
Feb 13, 2024	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Mar 15, 2017	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Dec 31, 2019	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND
Dec 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2004 · Amount on File
Deed Sale	Mar 24, 2004 · Amount on File
Deed Document Number	20041013
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	317 RESERVE GATE TER, SANDY SPRING, MD 20905-5040
Transaction Type	Mortgage
Record Updated	May 14, 2024
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 RESERVE GATE TER, SANDY SPRING, MD 20905-5040

Mortgage

Document Number	0677500437
Date	Feb 13, 2024
Book Page	67750/437

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 2, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	317 RESERVE GATE TER, SANDY SPRING, MD 20905-5040
Transaction Type	Mortgage
Record Updated	Aug 20, 2021
Title Company	SERVICELINK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0539650375
Date	Mar 15, 2017
Book Page	53965/375

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Apr 24, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	317 RESERVE GATE TER, SANDY SPRING, MD 20905-5040
Document Number	0589610144
Instrument Date	Dec 31, 2019
Transaction Type	Mortgage
Record Updated	Feb 21, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	317 RESERVE GATE TER SILVER SPRING MD 209055040, SILVER SPRING, MD 20905-5040

Mortgage

Document Number	0589610144
Date	Feb 3, 2020
Book Page	058961/000144

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 2, 2050

Interest

Rate Type	Adjustable Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	317 RESERVE GATE TER, SANDY SPRING, MD 20905-5040
Document Number	0589700258
Instrument Date	Dec 31, 2019
Transaction Type	Mortgage
Record Updated	Feb 24, 2020
Title Company	CORPORATE SETTLEMENT SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	317 RESERVE GATE TER SILVER SPRING MD 209055040, SILVER SPRING, MD 20905-5040

Mortgage

Document Number	0589700258
Date	Feb 4, 2020
Book Page	058970/000258

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 3, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.24%

Tax Assessment & Valuation

The 2025 property tax bill for 317 Reserve Gate Ter was $11,603.

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		$1,076,700 (+6.72%) Land $254,900 Building $821,800	$1,076,700 (-) Land $254,900 Building $821,800
2025	$11,603.00	$1,008,867	$1,076,700 Land $254,900 Building $821,800
2023		$873,200 Land $254,900 Building $618,300	$873,200 Land $254,900 Building $618,300
2022	$9,220.00

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

Flood

FEMA maps place 317 Reserve Gate Ter in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1994.

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	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

Wildfire risk around 317 Reserve Gate Ter is low, with 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 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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