409 Main St, Gaithersburg, MD 20878 Property Records

Montgomery County property record for 409 Main St, Gaithersburg, MD 20878

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,460 sqft · built 2001
Lot Size	0.042 acres (1,843 sqft)
Owner	2 Individual Names on File
Last Sale	$680,000 (May 2018)
Tax Bill	$8,728 (2025)
Deeds & Mortgages	Nov 2017 Line of Credit May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-03225913`

Property Details

APN / Parcel Number

Primary APN	`09-03225913`
Alternative APN	`03225913`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,460 sqft Living Area
1st Floor Area	720 sqft
Basement Area	540 sqft
Finished Basement	540 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,843 sqft (0.042 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	03225913
Street Address	409 MAIN ST
City	GAITHERSBURG
State	MD
Zip	20878-5504
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	MXD
Legal Description	LAKELANDS
Legal Subdivision	LAKELANDS
Legal Block	T
Legal Lot Number	18
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	4
Census Block	4004
Census Tract	700826

Owner

409 Main St, a townhouse, is owned and occupied by two individuals who bought it in May 2018.

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	409 MAIN ST, GAITHERSBURG, MD 20878-5504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2017	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
May 30, 2018	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2018 · Amount on File
Deed Sale	May 30, 2018 · Amount on File
Prior Sale	Aug 30, 2001 · Amount on File
Deed Book / Page	56099 / 271
Record Updated	Sep 20, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	409 MAIN ST, GAITHERSBURG, MD 20878-5504
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0552890358
Date	Nov 29, 2017
Book Page	55289/358

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	May 30, 2018
Property Address	409 MAIN ST, GAITHERSBURG, MD 20878-5504
Document Number	0560990271
Book / Page	56099 / 271
Map Reference	MB188 PL20695
Instrument Date	Apr 30, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	409 MAIN ST, 409, GAITHERSBURG, MD 20878-5504

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	409 MAIN ST, GAITHERSBURG, MD 20878-5504

Mortgage

Document Number	0056099280
Date	May 30, 2018
Instrument	56099/280

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 409 Main St was $8,728.

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		$706,700 (+1.1%) Land $300,000 Building $406,700	$706,700 (-) Land $300,000 Building $406,700
2025	$8,728.00	$699,033	$706,700 Land $300,000 Building $406,700
2023		$683,700 Land $300,000 Building $383,700	$683,700 Land $300,000 Building $383,700
2022	$8,130.00

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

Flood

FEMA maps place 409 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 409 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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