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

Montgomery County property record for 319 Reserve Gate Ter, Sandy Spring, MD 20905

Property Summary

Property Type	Single Family Home
Details	5 ba · 6,147 sqft · built 2005
Lot Size	0.337 acres (14,685 sqft)
Owner	2 Individual Names on File
Last Sale	$1,000,000 (May 2021)
Tax Bill	$9,543 (2025)
Deeds & Mortgages	Nov 2025 Second Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-03396633`

Property Details

APN / Parcel Number

Primary APN	`08-03396633`
Alternative APN	`03396633`

Interior

Full Baths	5 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	6,147 sqft Living Area
Gross Area	6,667 sqft
1st Floor Area	2,437 sqft
Basement Area	1,493 sqft
Finished Basement	1,493 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Bi-Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	14,685 sqft (0.337 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	136 sqft
Deck Area	581 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	03396633
Street Address	319 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	9
Jurisdiction	MONTGOMERY MD
Township / Civil Division	8
Census Block Group	1
Census Block	1006
Census Tract	701316

Owner

319 Reserve Gate Ter is owned and occupied by two individuals who bought it in May 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	319 RESERVE GATE TER, SANDY SPRING, MD 20905-5040
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Nov 19, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
May 17, 2021	Deed, Transfer · Conventional Mortgage HOMESPIRE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2021 · Amount on File
Deed Sale	May 17, 2021 · Amount on File
Prior Sale	Nov 17, 2014 · Amount on File
Deed Book / Page	63000 / 342
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	319 RESERVE GATE TER, SANDY SPRING, MD 20905-5040
Transaction Type	Mortgage
Record Updated	Dec 8, 2025
Title Company	UNKNOWN, TOWNSGATE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0698490382
Date	Nov 19, 2025
Book Page	69849/382

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2045

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	May 17, 2021
Property Address	319 RESERVE GATE TER, SANDY SPRING, MD 20905-5040
Document Number	0630000342
Book / Page	63000 / 342
Map Reference	PL 22396
Instrument Date	Apr 16, 2021
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	319 RESERVE GATE TER, SANDY SPRING, MD 20905-5040

Mortgage

Document Number	63000348
Date	May 17, 2021
Instrument	63000/348

Lender

Name	HOMESPIRE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 319 Reserve Gate Ter was $9,543.

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		$1,193,000 (+16.51%) Land $248,400 Building $944,600	$1,193,000 (-) Land $248,400 Building $944,600
2025	$9,543.00	$1,023,967	$1,193,000 Land $248,400 Building $944,600
2023		$685,900 Land $248,400 Building $437,500	$685,900 Land $248,400 Building $437,500
2022	$7,290.00

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

Flood

FEMA maps place 319 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 319 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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