4 Harbor Tree Ct, Gaithersburg (Montgomery Village), MD 20886 Property Records

Montgomery County property record for 4 Harbor Tree Ct, Gaithersburg, MD 20886

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,440 sqft · built 1995
Lot Size	0.019 acres (840 sqft)
Owner	2 Individual Names on File
Last Sale	$77,325 (Oct 1995)
Tax Bill	$3,164 (2025)
Deeds & Mortgages	Apr 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`01-02963816`

Property Details

APN / Parcel Number

Primary APN	`01-02963816`
Alternative APN	`02963816`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,440 sqft Living Area
1st Floor Area	480 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	840 sqft (0.019 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02963816
Street Address	4 HARBOR TREE CT
City	MONTGOMERY VILLAGE
State	MD
Zip	20886-5823
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	TMD
Legal Description	CHARLESGATE MV TE MV
Legal Subdivision	CHARLESGATE MONTGOMERY
Legal Block	3
Legal Lot Number	75
Jurisdiction	MONTGOMERY MD
Township / Civil Division	1
Census Block Group	3
Census Block	3005
Census Tract	700105

Owner

4 Harbor Tree Ct, a townhouse, is owned and occupied by two individuals who acquired it in March 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	4 HARBOR TREE CT, MONTGOMERY VILLAGE, MD 20886-5823
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 1995 · Amount on File
Deed Sale	Oct 2, 1995 · Amount on File
Deed Book / Page	13663 / 96
Last Transfer Date	Mar 10, 2021
Transfer Doc	0624640032
Record Updated	Sep 20, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTGOMERY MD
Recording Date	Apr 8, 2021
Property Address	4 HARBOR TREE CT, GAITHERSBURG, MD 20886-5823
Document Number	0624640032
Book / Page	62464 / 32
Map Reference	MB 164 PL 18492
Instrument Date	Mar 10, 2021
Transaction Type	Transfer
Record Updated	May 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	4 HARBOR TREE CT, MONTGOMERY VILLAGE, MD 20886-5823

Tax Assessment & Valuation

The 2025 property tax bill for 4 Harbor Tree Ct was $3,164, down 9.7% from the year before.

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		$320,700 (+7.93%) Land $150,000 Building $170,700	$320,700 (-) Land $150,000 Building $170,700
2025	$3,164.00 (-9.73%)	$297,133	$320,700 Land $150,000 Building $170,700
2024	$3,505.00
2023		$250,000 Land $150,000 Building $100,000	$250,000 Land $150,000 Building $100,000
2022	$2,274.00

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

Flood

FEMA maps place 4 Harbor Tree Ct in Zone X, an area of minimal flood risk.

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	4 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

Wildfire risk around 4 Harbor Tree Ct 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	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 358 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 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20