345 Winter Walk Dr, Gaithersburg, MD 20878 Property Records

Montgomery County property record for 345 Winter Walk Dr, Gaithersburg, MD 20878

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,854 sqft · built 1999
Lot Size	0.054 acres (2,352 sqft)
Owner	2 Individual Names on Record
Last Sale	$590,000 (Mar 2019)
Tax Bill	$8,102 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Mar 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-03239032`

Property Details

APN / Parcel Number

Primary APN	`09-03239032`
Alternative APN	`03239032`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,854 sqft Living Area
Gross Area	3,063 sqft
1st Floor Area	1,059 sqft
Basement Area	750 sqft
Finished Basement	750 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,352 sqft (0.054 acres)
Garage Type	Attached
Garage Area	209 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	154 sqft
Deck Area	77 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	03239032
Street Address	345 WINTER WALK DR
City	GAITHERSBURG
State	MD
Zip	20878-7806
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MXD
Legal Description	QUINCE ORCHARD PARK
Legal Subdivision	QUINCE ORCHARD PARK
Legal Block	E
Legal Lot Number	66
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	3
Census Block	3001
Census Tract	700829

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the NIST Historic District listed 2021 · 28 contributing resources · NRIS 100006800

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	345 WINTER WALK DR, GAITHERSBURG, MD 20878-7806
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Mar 20, 2019	Deed, Transfer · ARM PNC BANK NA
Nov 28, 2017	Deed, Transfer · ARM PENTAGON FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2019 · Amount on Record
Deed Sale	Mar 20, 2019 · Amount on Record
Prior Sale	Nov 28, 2017 · Amount on Record
Deed Book / Page	57335 / 454
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	345 WINTER WALK DR, GAITHERSBURG, MD 20878-7806
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	PARADIGM TITLE GROUP LLC, PARADIGM T&E LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 WINTER WALK DR, GAITHERSBURG, MD 20878-7806

Mortgage

Document Number	0651850269
Date	Feb 3, 2022
Book Page	65185/269

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

March 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Mar 20, 2019
Property Address	345 WINTER WALK DR, GAITHERSBURG, MD 20878-7806
Document Number	0573350454
Book / Page	57335 / 454
Map Reference	MB 190 PL 20861
Instrument Date	Mar 15, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,850.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	345 WINTER WALK DR, GAITHERSBURG, MD 20878-7806

Mortgage

Document Number	0057335463
Date	Mar 20, 2019
Instrument	57335/463

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Apr 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.12%
Index	1-Year LIBOR
Max Rate	9.12%

November 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Nov 28, 2017
Property Address	345 WINTER WALK DR, GAITHERSBURG, MD 20878-7806
Document Number	0552790162
Book / Page	55279 / 162
Map Reference	MB190 PL20861
Instrument Date	Nov 7, 2017
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,280.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 WINTE WALKE, GAITHERSBURG, MD 20878-7806

Mortgage

Document Number	0055279167
Date	Nov 28, 2017
Instrument	55279/167

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Montgomery County
Municipality	Gaithersburg City
Unified School District	Montgomery County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$607,900 (+1.7%) Land $230,000 Building $377,900	$607,900 (-) Land $230,000 Building $377,900
2025	$8,102.00 (+23.54%)	$597,733 (+3.52%)	$607,900 (+5.28%) Land $230,000 Building $377,900
2023		$577,400 Land $230,000 Building $347,400	$577,400 Land $230,000 Building $347,400
2022	$6,558.00

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	3 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

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

Wildfire Risk	Not rated no burnable land within 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 418 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.

Nearby Properties on Winter Walk Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures