43 Cedar Ave, Gaithersburg, MD 20877 Property Records

Montgomery County property record for 43 Cedar Ave, Gaithersburg, MD 20877

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,551 sqft · built 1929
Lot Size	0.18 acres (7,855 sqft)
Owner	2 Individual Names on File
Last Sale	$342,000 (Jan 2016)
Tax Bill	$5,990 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Jan 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`09-00841456`

Property Details

APN / Parcel Number

Primary APN	`09-00841456`
Alternative APN	`00841456`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,551 sqft Living Area
1st Floor Area	1,426 sqft
Basement Area	500 sqft
Finished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Bi-Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,855 sqft (0.18 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	112 sqft
Deck Area	448 sqft
Patio Area	374 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Radiant
Sewer	Municipal

Location & Zoning

Account Number	00841456
Street Address	43 CEDAR AVE
City	GAITHERSBURG
State	MD
Zip	20877-1911
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R90
Legal Description	OBSERVATORY HGTS
Legal Subdivision	OBSERVATORY HEIGHTS
Legal Block	1
Legal Lot Number	44
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	1
Census Block	1010
Census Tract	700731

Owner

43 Cedar Ave is owned and occupied by two individuals who bought it in January 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	43 CEDAR AVE, GAITHERSBURG, MD 20877-1911
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jan 26, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jan 26, 2018	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2016 · Amount on File
Deed Sale	Jan 5, 2016 · Amount on File
Prior Sale	Apr 11, 2006
Deed Book / Page	51451 / 280
Prior Transfer Date	Feb 14, 2006
Prior Transfer Doc	0321320077
Record Updated	Sep 20, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	43 CEDAR AVE, GAITHERSBURG, MD 20877-1911
Document Number	0557340443
Instrument Date	Jan 26, 2018
Transaction Type	Mortgage
Record Updated	Mar 15, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 CEDAR AVE GAITHERSBURG MD 208771911, GAITHERSBURG, MD 20877-1911

Mortgage

Document Number	0557340443
Date	Mar 7, 2018
Book Page	055734/000443

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 6, 2048

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONTGOMERY MD
Property Address	43 CEDAR AVE, GAITHERSBURG, MD 20877-1911
Document Number	0557710108
Instrument Date	Jan 26, 2018
Transaction Type	Mortgage
Record Updated	Jan 12, 2019
Title Company	FIRST AMERICAN TITLE INC COMPANY, FIRST AMERICAN TITLE INC CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 CEDAR AVE GAITHERSBURG MD 208771911, GAITHERSBURG, MD 20877-1911

Mortgage

Document Number	0557710108
Date	Mar 15, 2018
Book Page	055771/000108

Lender

Name	PENNYMAC
Address	MOONPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 14, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 43 Cedar Ave was $5,990, down 3.9% 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		$511,600 (+6.34%) Land $186,000 Building $325,600	$511,600 (-) Land $186,000 Building $325,600
2025	$5,990.00 (-3.85%)	$481,100	$511,600 Land $186,000 Building $325,600
2024	$6,230.00
2023		$420,100 Land $186,000 Building $234,100	$420,100 Land $186,000 Building $234,100
2022	$4,562.00

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

Flood

FEMA maps place 43 Cedar Ave 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

Wildfire risk around 43 Cedar Ave 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 97% of the US · lower than 94% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 276 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
Astound Broadband Cable	1,500 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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