409 Phelps St, Gaithersburg, MD 20878 Property Records

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

Property Summary

Property Type	Townhouse
Details	2.5 ba · 2,604 sqft · built 2001
Lot Size	0.032 acres (1,400 sqft)
Owner	Company Name on File
Last Sale	$495,000 (Feb 2016)
Tax Bill	$8,030 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Jun 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-03320827`

Property Details

APN / Parcel Number

Primary APN	`09-03320827`
Alternative APNs	`903320827` `03320827`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,604 sqft Living Area
Gross Area	2,908 sqft
1st Floor Area	882 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,400 sqft (0.032 acres)
Garage Type	Attached
Garage Area	304 sqft
Parking Spaces	1 Parking Space
Deck Area	240 sqft
Balcony Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	03320827
Street Address	409 PHELPS ST
City	GAITHERSBURG
State	MD
Zip	20878-3214
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	MXD
Legal Description	LAKELANDS PH 2 SEC 1
Legal Subdivision	LAKELANDS
Legal Phase	2
Legal Block	M
Legal Lot Number	54
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	2
Census Block	2030
Census Tract	700826

Owner

409 Phelps St, a townhouse, is owned by a company that bought it in February 2016 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	409 PHELPS ST, GAITHERSBURG, MD 20878-3214
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2023	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Jun 13, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 6, 2018	Quit Claim Deed, Transfer SAGE TITLE GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 5, 2016 · Amount on File
Deed Sale	Feb 5, 2016 · Amount on File
Prior Sale	Jan 13, 2014 · Amount on File
Deed Book / Page	51573 / 419
Prior Transfer Date	Feb 21, 2014
Prior Transfer Doc	0486440197
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	409 PHELPS ST, GAITHERSBURG, MD 20878-3214
Transaction Type	Mortgage
Record Updated	Nov 7, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 PHELPS ST, GAITHERSBURG, MD 20878-3214

Mortgage

Document Number	0674930345
Date	Oct 26, 2023
Book Page	67493/345

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	266 Months
Due	Dec 1, 2045

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Jun 13, 2019
Property Address	409 PHELPS ST, GAITHERSBURG, MD 20878-3214
Document Number	0577110344
Book / Page	057711 / 000344
Instrument Date	Jun 6, 2019
Transaction Type	Transfer
Record Updated	Jun 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	409 PHELPS ST GAITHERSBURG MD 208783214, GAITHERSBURG, MD 20878-3214

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Mar 6, 2018
Property Address	409 PHELPS ST, GAITHERSBURG, MD 20878-3214
Document Number	0557320358
Book / Page	055732 / 000358
Instrument Date	May 17, 2017
Transaction Type	Transfer
Record Updated	Mar 15, 2018
Title Company	SAGE TITLE GROUP LLC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	409 PHELPS ST GAITHERSBURG MD 208783214, GAITHERSBURG, MD 20878-3214

Tax Assessment & Valuation

The 2025 property tax bill for 409 Phelps St was $8,030, down 2.1% from the year before.

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		$683,300 (+5.47%) Land $300,000 Building $383,300	$683,300 (-) Land $300,000 Building $383,300
2025	$8,030.00 (-2.14%)	$647,833	$683,300 Land $300,000 Building $383,300
2024	$8,206.00
2023		$576,900 Land $300,000 Building $276,900	$576,900 Land $300,000 Building $276,900
2022	$7,439.00

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

Flood

FEMA maps place 409 Phelps St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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	5 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2015 · 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

The area around 409 Phelps 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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