3945 Wendy Ln, Silver Spring, MD 20906 Property Records

Montgomery County property record for 3945 Wendy Ln, Silver Spring, MD 20906

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,769 sqft · built 1956
Lot Size	0.152 acres (6,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$550,000 (Mar 2026)
Tax Bill	$5,205 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-01318801`

Property Details

APN / Parcel Number

Primary APN	`13-01318801`
Alternative APN	`01318801`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,769 sqft Living Area
1st Floor Area	1,019 sqft
Basement Area	750 sqft
Finished Basement	750 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Split Foyer
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,600 sqft (0.152 acres)
Deck Area	380 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	01318801
Street Address	3945 WENDY LN
City	SILVER SPRING
State	MD
Zip	20906-5237
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60
Legal Description	HARMONY HILLS
Legal Subdivision	HARMONY HILLS
Legal Block	7
Legal Lot Number	23
Jurisdiction	MONTGOMERY MD
Township / Civil Division	13
Census Block Group	1
Census Block	1003
Census Tract	703302

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3945 WENDY LN, SILVER SPRING, MD 20906-5237
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2026	Special Warranty Deed, Transfer · FHA Mortgage KIND LENDING LLC
Nov 10, 2021	Deed, Transfer · Conventional Mortgage AMERISAVE MORTGAGE CORP
Jun 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FIN HOUSE/LARIBA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2026 · Amount on Record
Deed Sale	Mar 4, 2026 · Amount on Record
Prior Sale	Nov 10, 2021 · Amount on Record
Deed Book / Page	70201 / 356
Record Updated	Sep 20, 2026

March 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Mar 4, 2026
Property Address	3945 WENDY LN, SILVER SPRING, MD 20906-5237
Document Number	0702010356
Book / Page	70201 / 356
Map Reference	MB 51 PL 3971
Instrument Date	Feb 27, 2026
Transaction Type	Transfer
Record Updated	Mar 26, 2026
Title Company	HOUSEHOLD TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,750.00
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	3945 WENDY LN, SILVER SPRING, MD 20906-5237

Mortgage

Document Number	0702010363
Date	Mar 4, 2026
Book Page	70201/363

Lender

Name	KIND LENDING LLC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Nov 10, 2021
Property Address	3945 WENDY LN, SILVER SPRING, MD 20906-5237
Document Number	0645600026
Book / Page	64560 / 26
Map Reference	MB 51 PL 3971
Instrument Date	Oct 20, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,750.00
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 in Severalty
Address	3945 WENDY LN, SILVER SPRING, MD 20906-5237

Mortgage

Document Number	0006456032
Date	Nov 10, 2021
Instrument	64560/32

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	3945 WENDY LN, SILVER SPRING, MD 20906-5237
Document Number	0546200211
Book / Page	054620 / 000211
Instrument Date	Jun 17, 2017
Transaction Type	Mortgage
Record Updated	Jul 28, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3945 WENDY LN SILVER SPRING MD 209065237, SILVER SPRING, MD 20906-5237

Mortgage

Document Number	0546200211
Date	Jul 20, 2017
Book Page	054620/000211

Lender

Name	AMERICAN FIN HOUSE/LARIBA
Type	Funding / Finance Company
Address	WHITTIER, CA 90603

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 19, 2032

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		$481,633 (+6.72%)	$542,300 (+20.16%) Land $173,100 Building $369,200
2025	$5,205.00 (+43.82%)	$451,300 (+21.5%) Land $173,100 Building $278,200	$451,300 (-) Land $173,100 Building $278,200
2023		$371,433 (+12.05%)	$451,300 (+36.14%) Land $173,100 Building $278,200
2022	$3,619.00	$331,500 Land $158,400 Building $173,100	$331,500 Land $158,400 Building $173,100

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
Nearby Flood Claims	20 (1978–2021)
Claims Outside the SFHA	1 of 20
Most Recent Claim	Sep 2021 · 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 94% of Maryland
Wildfire Likelihood	Under 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 586 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
Astound Broadband Fiber	1,500 / 1,500
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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