4 Cedar Ave, Gaithersburg, MD 20877 Property Records

Montgomery County property record for 4 Cedar Ave, Gaithersburg, MD 20877

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,671 sqft · built 1954
Lot Size	0.289 acres (12,593 sqft)
Owner	2 Individual Names on Record
Last Sale	$518,000 (May 2021)
Tax Bill	$7,758 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Aug 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-00841228`

Property Details

APN / Parcel Number

Primary APN	`09-00841228`
Alternative APN	`00841228`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,671 sqft Living Area
1st Floor Area	1,338 sqft
Basement Area	650 sqft
Finished Basement	650 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Multi-Level
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	12,593 sqft (0.289 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	90 sqft
Deck Area	352 sqft
Patio Area	500 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	00841228
Street Address	4 CEDAR AVE
City	GAITHERSBURG
State	MD
Zip	20877-1913
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R90
Legal Description	OBSERVATORY HGTS
Legal Subdivision	OBSERVATORY HEIGHTS
Legal Block	1
Legal Lot Number	P73
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	1
Census Block	1003
Census Tract	700731

Owner

Source: Montgomery County records, as of September 14, 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	4 CEDAR AVE, GAITHERSBURG, MD 20877-1913
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2021	Deed, Transfer · VA Mortgage PENTAGON FCU
Aug 26, 2019	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2021 · Amount on Record
Deed Sale	May 19, 2021 · Amount on Record
Prior Sale	Jun 2, 2015 · Amount on Record
Deed Book / Page	63025 / 378
Record Updated	Oct 29, 2026

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	May 19, 2021
Property Address	4 CEDAR AVE, GAITHERSBURG, MD 20877-1913
Document Number	0630250378
Book / Page	63025 / 378
Map Reference	MB 2 PL 138
Instrument Date	Apr 30, 2021
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	FEE SIMPLE TITLE & ESCROW LLC, FEE SIMPLE T&E LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$6,475.00
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	4 CEDAR AVE, GAITHERSBURG, MD 20877-1913

Mortgage

Document Number	63025387
Date	May 19, 2021
Instrument	63025/387

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	4 CEDAR AVE, GAITHERSBURG, MD 20877-1913
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0580580144
Date	Aug 26, 2019
Book Page	58058/144

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$645,300 (+13.95%) Land $200,000 Building $445,300	$645,300 (-) Land $200,000 Building $445,300
2025	$7,758.00 (+69.09%)	$566,300 (+38.7%)	$645,300 (+58.05%) Land $200,000 Building $445,300
2023		$408,300 Land $200,000 Building $208,300	$408,300 Land $200,000 Building $208,300
2022	$4,588.00

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	1 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	Low lower than 97% of the US · lower than 94% 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 276 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 / 2,000
Astound Broadband Cable	1,500 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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