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

Montgomery County property record for 325 Reserve Gate Ter, Sandy Spring, MD 20905

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 8,016 sqft · built 2005
Lot Size	0.38 acres (16,537 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Dec 2003)
Tax Bill	$15,875 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-03396600`

Property Details

APN / Parcel Number

Primary APN	`08-03396600`
Alternative APN	`03396600`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	8,016 sqft Living Area
Gross Area	8,718 sqft
1st Floor Area	3,230 sqft
Basement Area	1,590 sqft
Finished Basement	1,590 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	16,537 sqft (0.38 acres)
Garage Type	Attached
Garage Area	702 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	40 sqft
Deck Area	650 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	03396600
Street Address	325 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	6
Jurisdiction	MONTGOMERY MD
Township / Civil Division	8
Census Block Group	1
Census Block	1006
Census Tract	701316

Owner

325 Reserve Gate Ter is owned and occupied by an individual who acquired it in March 2012.

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

Owner of Record	Individual Name on File
Mailing Address	325 RESERVE GATE TER, SANDY SPRING, MD 20905-5040
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Personal Representative

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 25, 2026	Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC
Oct 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 26, 2003 · Amount on File
Deed Sale	Dec 26, 2003 · Amount on File
Prior Sale	Dec 26, 2003 · Amount on File
Deed Document Number	2003292306
Deed Book / Page	26370 / 247
Last Transfer Date	Mar 22, 2012
Transfer Doc	0437870098
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	325 RESERVE GATE TER, SANDY SPRING, MD 20905-5040
Transaction Type	Mortgage
Record Updated	Mar 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0701710074
Date	Feb 25, 2026
Book Page	70171/74

Lender

Name	WEST CAPITAL LENDING INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 15, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	325 RESERVE GATE TER, SANDY SPRING, MD 20905-5040
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	ARMOUR SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 RESERVE GATE TER, SANDY SPRING, MD 20905-5040

Mortgage

Document Number	0606810456
Date	Oct 6, 2020
Book Page	60681/456

Lender

Name	FIRST HOME BANK
Type	Bank
Address	SEMINOLE, FL 33772

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 325 Reserve Gate Ter was $15,875.

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		$1,460,600 (+5.85%) Land $254,400 Building $1,206,200	$1,460,600 (-) Land $254,400 Building $1,206,200
2025	$15,875.00	$1,379,933	$1,460,600 Land $254,400 Building $1,206,200
2023		$1,218,600 Land $254,400 Building $964,200	$1,218,600 Land $254,400 Building $964,200
2022	$13,077.00

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

Flood

FEMA maps place 325 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 325 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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