3904 Spruell Dr, Kensington, MD 20895 Property Records

Montgomery County property record for 3904 Spruell Dr, Kensington, MD 20895

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,077 sqft · built 1958
Lot Size	0.241 acres (10,500 sqft)
Owner	Individual Name on File
Last Sale	$462,000 (Oct 2013)
Tax Bill	$6,692 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-01262297`

Property Details

APN / Parcel Number

Primary APN	`13-01262297`
Alternative APN	`01262297`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,077 sqft Living Area
1st Floor Area	1,317 sqft
Basement Area	760 sqft
Finished Basement	760 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,500 sqft (0.241 acres)
Garage Type	Detached
Garage Area	399 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	01262297
Street Address	3904 SPRUELL DR
City	KENSINGTON
State	MD
Zip	20895-1341
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60
Legal Description	ROCK CREEK PALISADES SEC 12
Legal Subdivision	ROCK CREEK PALISADES
Legal Block	Q
Legal Lot Number	5
Jurisdiction	MONTGOMERY MD
Township / Civil Division	13
Census Block Group	1
Census Block	1007
Census Tract	703502

Owner

3904 Spruell Dr is owned and occupied by an individual who bought it in October 2013.

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

Owner of Record	Individual Name on File
Mailing Address	3904 SPRUELL DR, KENSINGTON, MD 20895-1341
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Mar 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2013 · Amount on File
Deed Sale	Oct 25, 2013 · Amount on File
Prior Sale	Jul 12, 2005
Deed Book / Page	47864 / 492
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	3904 SPRUELL DR, KENSINGTON, MD 20895-1341
Transaction Type	Mortgage
Record Updated	Jul 9, 2021
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0633400272
Date	Jun 24, 2021
Book Page	63340/272

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Jul 1, 2028
Change Frequency	Monthly
Min Rate At Change	2.75%
Max Rate At Change	7.5%
Index	Other
Max Rate	7.5%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	3904 SPRUELL DR, KENSINGTON, MD 20895-1341
Document Number	0558300262
Instrument Date	Mar 20, 2018
Transaction Type	Mortgage
Record Updated	Apr 11, 2018
Title Company	CLOSELINE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3904 SPRUELL DR KENSINGTON MD 208951341, KENSINGTON, MD 20895-1341

Mortgage

Document Number	0558300262
Date	Mar 29, 2018
Book Page	055830/000262

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 28, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 3904 Spruell Dr was $6,692.

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		$593,033 (+3.97%)	$615,700 (-) Land $261,200 Building $354,500
2025	$6,692.00	$570,367	$615,700 Land $261,200 Building $354,500
2023		$529,400	$547,700 Land $261,200 Building $286,500
2022	$5,601.00

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

Flood

FEMA maps place 3904 Spruell Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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	6 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2014 · rainfall accumulation

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 3904 Spruell Dr is low, with less than 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 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 651 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, AT&T.

Nearby Properties on Spruell Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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