405 Penwood Rd, Silver Spring, MD 20901 Property Records

Montgomery County property record for 405 Penwood Rd, Silver Spring, MD 20901

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,826 sqft · built 1948
Lot Size	0.165 acres (7,200 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Apr 2000)
Tax Bill	$8,092 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-01219990`

Property Details

APN / Parcel Number

Primary APN	`13-01219990`
Alternative APN	`01219990`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,826 sqft Living Area
Gross Area	2,970 sqft
1st Floor Area	1,074 sqft
Basement Area	732 sqft
Finished Basement	732 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Bi-Level
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,200 sqft (0.165 acres)

Exterior Amenities

Porch	Enclosed Porch
Porch Area	339 sqft
Deck Area	334 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	01219990
Street Address	405 PENWOOD RD
City	SILVER SPRING
State	MD
Zip	20901-2719
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60
Legal Description	INDIAN SPRING VILLAG E SEC 2
Legal Subdivision	IND SPRG VILL
Legal Block	11
Legal Lot Number	6
Jurisdiction	MONTGOMERY MD
Township / Civil Division	13
Census Block Group	3
Census Block	3000
Census Tract	702102

Owner

405 Penwood Rd is owned and occupied by two individuals who bought it in April 2000.

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 File
Mailing Address	405 PENWOOD RD, SILVER SPRING, MD 20901-2719
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2021	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP
Jun 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2000 · Amount on File
Deed Sale	Apr 10, 2000 · Amount on File
Deed Document Number	2000175995
Deed Book / Page	17998 / 612
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	405 PENWOOD RD, SILVER SPRING, MD 20901-2719
Transaction Type	Mortgage
Record Updated	Dec 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0646050368
Date	Nov 17, 2021
Book Page	64605/368

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Dec 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	405 PENWOOD RD, SILVER SPRING, MD 20901-2719
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	MICHAELS TITLE AND ESCROW LLC, MICHAELS TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 PENWOOD RD, SILVER SPRING, MD 20901-2719

Mortgage

Document Number	0620810451
Date	Mar 4, 2021
Book Page	62081/451

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company
Address	CHARLOTTE, NC 28207

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	405 PENWOOD RD, SILVER SPRING, MD 20901-2719
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MICHAELS TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0597940268
Date	Jun 11, 2020
Book Page	59794/268

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 405 Penwood Rd was $8,092.

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		$736,300 (+5.43%)	$812,100 (+16.28%) Land $259,900 Building $552,200
2025	$8,092.00	$698,400 Land $259,900 Building $438,500	$698,400 Land $259,900 Building $438,500
2023		$634,200	$698,400 Land $259,900 Building $438,500
2022	$5,146.00

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

Flood

FEMA maps place 405 Penwood Rd 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

Wildfire risk around 405 Penwood Rd 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 593 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
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband, T-Mobile.

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