406 Waterford Rd, Silver Spring, MD 20901 Property Records

Montgomery County property record for 406 Waterford Rd, Silver Spring, MD 20901

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,520 sqft · built 1957
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on File
Last Sale	$620,000 (Dec 2025)
Tax Bill	$5,844 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-01354078`

Property Details

APN / Parcel Number

Primary APN	`13-01354078`
Alternative APN	`01354078`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,520 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	400 sqft
Finished Basement	400 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Townhouse
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	9,000 sqft (0.207 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	01354078
Street Address	406 WATERFORD RD
City	SILVER SPRING
State	MD
Zip	20901-2739
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60
Legal Description	SEC 2 FRANKLIN KNOLL S
Legal Subdivision	FRANKLIN KNOLLS
Legal Block	G
Legal Lot Number	37
Jurisdiction	MONTGOMERY MD
Township / Civil Division	13
Census Block Group	1
Census Block	1012
Census Tract	702102

Owner

406 Waterford Rd is owned and occupied by two individuals who bought it in December 2025.

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	406 WATERFORD RD, SILVER SPRING, MD 20901-2739
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2025 · Amount on File
Deed Sale	Dec 19, 2025 · Amount on File
Deed Book / Page	69955 / 378
Prior Transfer Date	Nov 4, 2014
Prior Transfer Doc	0494960111
Record Updated	Sep 20, 2026

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Dec 19, 2025
Property Address	406 WATERFORD RD, SILVER SPRING, MD 20901-2739
Document Number	0699550378
Book / Page	69955 / 378
Map Reference	MB 57 PL 4582
Instrument Date	Nov 25, 2025
Transaction Type	Transfer
Record Updated	Jan 7, 2026
Title Company	COMMONWEALTH LAND TITLE INSURANCE COMPANY, COMMONWEALTH LAND TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,100.00
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	406 WATERFORD RD, SILVER SPRING, MD 20901-2739

Mortgage

Document Number	0069955387
Date	Dec 19, 2025
Instrument	69955/387

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 406 Waterford Rd was $5,844, up 7.7% 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		$465,333 (+6.59%)	$494,100 (-) Land $241,800 Building $252,300
2025	$5,844.00 (+7.72%)	$436,567	$494,100 Land $241,800 Building $252,300
2024	$5,425.00
2023		$392,100	$407,800 Land $217,000 Building $190,800
2022	$4,114.00

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

Flood

FEMA maps place 406 Waterford Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2018 · 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

Wildfire risk around 406 Waterford Rd is low, with less than 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 95% of the US · lower than 90% 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 521 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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