409 Midsummer Dr, Gaithersburg, MD 20878 Property Records

Montgomery County property record for 409 Midsummer Dr, Gaithersburg, MD 20878

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,344 sqft · built 1991
Lot Size	0.326 acres (14,196 sqft)
Owner	2 Individual Names on File
Last Sale	$969,000 (Sep 2025)
Tax Bill	$9,935 (2025)
Deeds & Mortgages	May 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-02828074`

Property Details

APN / Parcel Number

Primary APN	`09-02828074`
Alternative APN	`02828074`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,344 sqft Living Area
Gross Area	2,784 sqft
1st Floor Area	1,312 sqft
Basement Area	1 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Bi-Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	14,196 sqft (0.326 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02828074
Street Address	409 MIDSUMMER DR
City	GAITHERSBURG
State	MD
Zip	20878-5225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MXD
Legal Description	WASHINGTONIAN WOODS
Legal Subdivision	WASHINGTONIAN WOODS
Legal Block	J
Legal Lot Number	27
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	1
Census Block	1004
Census Tract	700828

Owner

Source: Montgomery County assessment roll, APN 09-02828074, as of August 17, 2026 · Last verified August 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	409 MIDSUMMER DR, GAITHERSBURG, MD 20878-5225
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 03, 2025 · Amount on Record
Deed Sale	Sep 03, 2025 · Amount on Record
Prior Sale	Sep 04, 2015 · Amount on Record
Deed Book / Page	69549 / 489
Prior Transfer Date	Dec 29, 2011
Prior Transfer Doc	0432570043
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Recording Date	May 04, 2026
Property Address	409 MIDSUMMER DR, GAITHERSBURG, MD 20878-5225
Document Number	7043000103
Book / Page	70439 / 103
Instrument Date	Apr 27, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 MIDSUMMER DR, GAITHERSBURG, MD 20878-5225

Mortgage

Document Number	7043000103,
Date	May 04, 2026
Book Page	70439/103

Lender

Name	CATHAY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

Source: Montgomery County assessment roll as of August 17, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$774,000 (+5.85%) Land $254,300 Building $519,700	$774,000 (-) Land $254,300 Building $519,700
2025	$9,935.00 (+6.54%)	$731,200 (+13.26%)	$774,000 (+19.89%) Land $254,300 Building $519,700
2024	$9,325.00 (+23.13%)
2023		$645,600 Land $254,300 Building $391,300	$645,600 Land $254,300 Building $391,300
2022	$7,573.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Montgomery County (24031C), as of April 12, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240317008281, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, 424 locations within half a mile, as of December 31, 2025 · Last verified October 2026

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: Radiate Holdings, T-Mobile USA.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MD0150005, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WASHINGTON SUBURBAN SANITARY COMMISSION serves 1,900,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.