413 Main St, Gaithersburg, MD 20878 Property Records

Montgomery County property record for 413 Main St, Gaithersburg, MD 20878

Property Summary

Property Type	Townhouse
Details	2.5 ba · 2,480 sqft · built 2001
Lot Size	0.043 acres (1,883 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,625 (Sep 2003)
Tax Bill	$8,660 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Feb 2020 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`09-03225935`

Property Details

APN / Parcel Number

Primary APN	`09-03225935`
Alternative APN	`03225935`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,480 sqft Living Area
1st Floor Area	740 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	1,883 sqft (0.043 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	03225935
Street Address	413 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	20
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	4
Census Block	4004
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	2 Individual Names on Record
Mailing Address	413 MAIN ST, GAITHERSBURG, MD 20878-5504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2022	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA
Feb 4, 2020	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA
Apr 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Jul 14, 2020	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA
Mar 24, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR
Feb 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2003 · Amount on Record
Deed Sale	Sep 30, 2003 · Amount on Record
Prior Sale	Jul 25, 2001 · Amount on Record
Deed Document Number	2003283301
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	413 MAIN ST, GAITHERSBURG, MD 20878-5504
Transaction Type	Mortgage
Record Updated	Jul 20, 2022
Title Company	CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 MAIN ST, GAITHERSBURG, MD 20878-5504

Mortgage

Document Number	0660030487
Date	Jul 8, 2022
Book Page	66003/487

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	GERMANTOWN, MD 20876

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	262 Months
Due	May 18, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	413 MAIN ST, GAITHERSBURG, MD 20878-5504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0589660001
Date	Feb 4, 2020
Book Page	58966/001

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	GAITHERSBURG, MD 20877

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	262 Months
Due	Dec 19, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	413 MAIN ST, GAITHERSBURG, MD 20878-5504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	COUNSELORS TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0594140152
Date	Apr 22, 2020
Book Page	59414/152

Lender

Name	TRUIST BANK
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	May 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.75%
Index	1-Year LIBOR
Max Rate	7.5%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	413 MAIN ST, GAITHERSBURG, MD 20878-5504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0600390395
Date	Jul 14, 2020
Book Page	60039/395

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	GERMANTOWN, MD 20876

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	263 Months
Due	Jun 18, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	413 MAIN ST, GAITHERSBURG, MD 20878-5504
Document Number	0541860209
Book / Page	054186 / 000209
Instrument Date	Mar 24, 2017
Transaction Type	Mortgage
Record Updated	May 23, 2017
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	413 MAIN ST GAITHERSBURG MD 208785504, GAITHERSBURG, MD 20878-5504

Mortgage

Document Number	0541860209
Date	Apr 25, 2017
Book Page	054186/000209

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	413 MAIN ST, GAITHERSBURG, MD 20878-5504
Document Number	0539100432
Book / Page	053910 / 000432
Instrument Date	Feb 15, 2017
Transaction Type	Mortgage
Record Updated	Mar 22, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 MAIN ST GAITHERSBURG MD 208785504, GAITHERSBURG, MD 20878-5504

Mortgage

Document Number	0539100432
Date	Mar 2, 2017
Book Page	053910/000432

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%

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		$701,400 (+1.09%) Land $300,000 Building $401,400	$701,400 (-) Land $300,000 Building $401,400
2025	$8,660.00 (+6.94%)	$693,833 (+2.23%)	$701,400 (+3.34%) Land $300,000 Building $401,400
2023		$678,700 Land $300,000 Building $378,700	$678,700 Land $300,000 Building $378,700
2022	$8,098.00

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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