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

Montgomery County property record for 323 Reserve Gate Ter, Sandy Spring, MD 20905

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 5,955 sqft · built 2005
Lot Size	0.374 acres (16,280 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,250,000 (Jun 2023)
Tax Bill	$13,410 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Aug 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-03396611`

Property Details

APN / Parcel Number

Primary APN	`08-03396611`
Alternative APN	`03396611`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,955 sqft Living Area
Gross Area	6,355 sqft
1st Floor Area	2,440 sqft
Basement Area	1,355 sqft
Finished Basement	1,355 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Bi-Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	16,280 sqft (0.374 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	676 sqft
Deck Area	388 sqft
Patio Area	570 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	03396611
Street Address	323 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	7
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	323 RESERVE GATE TER, SANDY SPRING, MD 20905-5040
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2023	Deed, Transfer · Conventional Mortgage LOWER LLC
Aug 22, 2017	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
Nov 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2023 · Amount on Record
Deed Sale	Jun 22, 2023 · Amount on Record
Prior Sale	Apr 14, 2015 · Amount on Record
Deed Book / Page	67128 / 146
Record Updated	Sep 20, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Jun 22, 2023
Property Address	323 RESERVE GATE TER, SANDY SPRING, MD 20905-5040
Document Number	0671280146
Book / Page	67128 / 146
Map Reference	MB 22396
Instrument Date	Jun 9, 2023
Transaction Type	Transfer
Record Updated	Jul 10, 2023
Title Company	STAR SETTLEMENT LLC, SMART SETTLEMENTS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	323 RESERVE GATE TER, SANDY SPRING, MD 20905-5040

Mortgage

Document Number	0067128155
Date	Jun 22, 2023
Instrument	67128/155

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	323 RESERVE GATE TER, SANDY SPRING, MD 20905-5040
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0547580046
Date	Aug 22, 2017
Book Page	54758/046

Lender

Name	SUNTRUST BANK
Type	Bank
Address	BALTIMORE, MD 21202

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	323 RESERVE GATE TER, SANDY SPRING, MD 20905-5040
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0584310028
Date	Nov 5, 2019
Book Page	58431/028

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

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		$1,227,600 (+5.3%) Land $253,600 Building $974,000	$1,227,600 (-) Land $253,600 Building $974,000
2025	$13,410.00 (+19.77%)	$1,165,833 (+11.85%)	$1,227,600 (+17.78%) Land $253,600 Building $974,000
2023		$1,042,300 (+1.24%) Land $253,600 Building $788,700	$1,042,300 (-) Land $253,600 Building $788,700
2022	$11,196.00	$1,029,567	$1,042,300 Land $253,600 Building $788,700

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
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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