4105 Simms Dr, Kensington, MD 20895 Property Records

Montgomery County property record for 4105 Simms Dr, Kensington, MD 20895

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,260 sqft · built 1971
Lot Size	0.149 acres (6,500 sqft)
Owner	Trust Name on File
Tax Bill	$6,579 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-01255747`

Property Details

APN / Parcel Number

Primary APN	`13-01255747`
Alternative APN	`01255747`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,260 sqft Living Area
1st Floor Area	1,000 sqft
Basement Area	540 sqft
Finished Basement	540 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Bi-Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,500 sqft (0.149 acres)
Patio Area	989 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	01255747
Street Address	4105 SIMMS DR
City	KENSINGTON
State	MD
Zip	20895-1349
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60
Legal Description	ROCK CREEK PALISADES
Legal Subdivision	ROCK CREEK PALISADES
Legal Block	Z
Legal Lot Number	32
Jurisdiction	MONTGOMERY MD
Township / Civil Division	13
Census Block Group	1
Census Block	1007
Census Tract	703502

Owner

4105 Simms Dr is held in a trust since May 2012.

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

Owner of Record	Trust Name on File
Mailing Address	4105 SIMMS DR, KENSINGTON, MD 20895-1349
Owner Type	Company
Vesting	Trust

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
Feb 6, 2026	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage RECOVCO MORTGAGE MANAGEMENT LLC
Aug 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2003
Deed Sale	Jun 26, 2003
Deed Document Number	2003275435
Last Transfer Date	May 24, 2012
Transfer Doc	0440760495
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	4105 SIMMS DR, KENSINGTON, MD 20895-1349
Transaction Type	Mortgage
Record Updated	Feb 23, 2026
Title Company	CORPORATE SETTLEMENTS, CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4105 SIMMS DR, KENSINGTON, MD 20895-1349

Mortgage

Document Number	0701100261
Date	Feb 6, 2026
Book Page	70110/261

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	HERMITAGE, PA 16148

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	263 Months
Due	Jan 28, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	4105 SIMMS DR, KENSINGTON, MD 20895-1349
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0620340132
Date	Mar 1, 2021
Book Page	62034/132

Lender

Name	RECOVCO MORTGAGE MANAGEMENT LLC
Address	IRVING, TX 75038

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	Dec 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	4105 SIMMS DR, KENSINGTON, MD 20895-1349
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0579740472
Date	Aug 6, 2019
Book Page	57974/472

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	3 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4105 Simms Dr was $6,579, down 0.3% 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		$640,200 (+11.36%)	$705,500 (-) Land $235,500 Building $470,000
2025	$6,579.00 (-0.27%)	$574,900	$705,500 Land $235,500 Building $470,000
2024	$6,597.00
2023		$506,300	$509,600 Land $235,500 Building $274,100
2022	$5,511.00

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

Flood

FEMA maps place 4105 Simms Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2014 · 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 4105 Simms Dr 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 94% of the US · lower than 89% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 584 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
Astound Broadband Cable	1,500 / 50

May also be available: AT&T, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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