404 Main St, Gaithersburg, MD 20878 Property Records

Montgomery County property record for 404 Main St, Gaithersburg, MD 20878

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2,880 sqft · built 2002
Lot Size	0.026 acres (1,112 sqft)
Owner	Company Name on File
Last Sale	$1,075,000 (Jan 2024)
Tax Bill	$15,194 (2025)
Deeds & Mortgages	Oct 2025 Sale Jan 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-03225992`

Property Details

APN / Parcel Number

Primary APN	`09-03225992`
Alternative APN	`03225992`

Interior

Units	5 Units
Stories	3 Stories
Building Area	2,880 sqft Gross Area
1st Floor Area	2,880 sqft
Basement Area	960 sqft
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick Veneer
Construction Type	Brick
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	1,112 sqft (0.026 acres)
View / Lot	Commercial/Industrial

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	03225992
Street Address	404 MAIN ST
City	GAITHERSBURG
State	MD
Zip	20878-5595
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	MXD
Legal Description	LAKELANDS
Legal Subdivision	LAKELANDS
Legal Block	Y
Legal Lot Number	33
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	1
Census Block	1011
Census Tract	700826

Owner

404 Main St, a commercial property, is owned by a company that bought it in January 2024.

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	Company Name on File
Mailing Address	16627 CYPRESS BAY LN, ASHTON, MD 20861-8000
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2025	Deed, Transfer ACCOMODATION, ACCOMMODATION
Jan 11, 2024	Deed, Transfer KTL TITLE GROUP LLC
Jul 2, 2021	Deed of Trust, Mortgage · Commercial Mortgage FULTON BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2024 · Amount on File
Deed Sale	Jan 10, 2024 · Amount on File
Prior Sale	Nov 20, 2008 · Amount on File
Deed Book / Page	67681 / 390
Record Updated	Sep 20, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Oct 2, 2025
Property Address	404 MAIN ST, GAITHERSBURG, MD 20878-5595
Document Number	0696610346
Book / Page	69661 / 346
Map Reference	MB 188 PL 20695
Instrument Date	Jul 7, 2025
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	16627 CYPRESS BAY LN, ASHTON, MD 20861-8000

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Jan 11, 2024
Property Address	404 MAIN ST, GAITHERSBURG, MD 20878-5595
Document Number	0676810390
Book / Page	67681 / 390
Map Reference	MB 188 PL 20695
Instrument Date	Dec 29, 2023
Transaction Type	Transfer
Record Updated	Jan 24, 2024
Title Company	KTL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Tax	$5,375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16627 CYPRESS BAY LN, ASHTON, MD 20861-8000

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	404 MAIN ST, GAITHERSBURG, MD 20878-5595
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12105 DAMSON DR, NORTH POTOMAC, MD 20878-3342

Mortgage

Document Number	0634130380
Date	Jul 2, 2021
Book Page	63413/380

Lender

Name	FULTON BANK NA
Type	Bank
Address	ELLICOTT CITY, MD 21042

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 404 Main St was $15,194.

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		$1,129,600 (+1.5%) Land $293,500 Building $836,100	$1,129,600 (-) Land $293,500 Building $836,100
2025	$15,194.00	$1,112,867	$1,129,600 Land $293,500 Building $836,100
2023		$1,079,400 Land $266,800 Building $812,600	$1,079,400 Land $266,800 Building $812,600
2022	$14,017.00

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

Flood

FEMA maps place 404 Main St 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	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

The area around 404 Main St has no burnable land within ember reach, so its wildfire risk is not rated.

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 864 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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