408 Main St, Gaithersburg, MD 20878 Property Records

Montgomery County property record for 408 Main St, Gaithersburg, MD 20878

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	3,360 sqft · built 2002
Lot Size	0.031 acres (1,344 sqft)
Owner	Company Name on Record
Last Sale	$1,325,000 (Nov 2007)
Tax Bill	$20,752 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-03226017`

Property Details

APN / Parcel Number

Primary APN	`09-03226017`
Alternative APN	`03226017`

Interior

Stories	3 Stories
Building Area	3,360 sqft Gross Area
1st Floor Area	3,360 sqft
Basement Area	1,120 sqft
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick Veneer
Construction Type	Brick
Fire Resistance	Fireproof Reinforced Concrete
Lot Area	1,344 sqft (0.031 acres)
View / Lot	Commercial/Industrial

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	03226017
Street Address	408 MAIN ST
City	GAITHERSBURG
State	MD
Zip	20878-5541
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	35
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	1
Census Block	1011
Census Tract	700826

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	408 MAIN ST, GAITHERSBURG, MD 20878-5541
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2021	Deed of Trust, Mortgage · Commercial Mortgage EAGLE BANK
Feb 15, 2018	Deed of Trust, Mortgage · Commercial Mortgage EAGLE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2007 · Amount on Record
Deed Sale	Nov 27, 2007 · Amount on Record
Prior Sale	Mar 13, 2002 · Amount on Record
Deed Document Number	2007105621
Deed Book / Page	33509 / 569
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	408 MAIN ST, GAITHERSBURG, MD 20878-5541
Transaction Type	Mortgage
Record Updated	Jun 8, 2021
Title Company	GEMINI TITLE AND ESCROW LLC, GEMINI TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 MAIN ST, GAITHERSBURG, MD 20878-5541

Mortgage

Document Number	0628160125
Date	Apr 29, 2021
Book Page	62816/125

Lender

Name	EAGLE BANK
Type	Bank
Address	BETHESDA, MD 20814

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	408 MAIN ST, GAITHERSBURG, MD 20878-5541
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	GEMINI TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0556620105
Date	Feb 15, 2018
Book Page	55662/105

Lender

Name	EAGLE BANK
Type	Bank
Address	BETHESDA, MD 20814

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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		$1,503,900 (+0.95%) Land $354,800 Building $1,149,100	$1,503,900 (-) Land $354,800 Building $1,149,100
2025	$20,752.00 (+7.56%)	$1,489,800 (+1.93%)	$1,503,900 (+2.89%) Land $354,800 Building $1,149,100
2023		$1,461,600 Land $322,500 Building $1,139,100	$1,461,600 Land $322,500 Building $1,139,100
2022	$19,294.00

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	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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