431 Palmspring Dr, Gaithersburg, MD 20878 Property Records

Montgomery County property record for 431 Palmspring Dr, Gaithersburg, MD 20878

Property Summary

Property Type	Townhouse
Details	2 ba · 1,582 sqft · built 1986
Lot Size	0.029 acres (1,240 sqft)
Owner	Individual Name on Record
Last Sale	$263,000 (Mar 2009)
Tax Bill	$4,362 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-02435216`

Property Details

APN / Parcel Number

Primary APN	`09-02435216`
Alternative APN	`02435216`

Interior

Full Baths	2 Baths
Stories	3 Stories
Building Area	1,582 sqft Living Area
1st Floor Area	542 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,240 sqft (0.029 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02435216
Street Address	431 PALMSPRING DR
City	GAITHERSBURG
State	MD
Zip	20878-2935
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R20
Legal Description	PARK SUMMIT
Legal Subdivision	PARK SUMMIT
Legal Block	C
Legal Lot Number	23
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	2
Census Block	2003
Census Tract	700837

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	Individual Name on Record
Mailing Address	431 PALMSPRING DR, GAITHERSBURG, MD 20878-2935
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Aug 17, 2021	Deed of Trust, Mortgage · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jun 15, 2018	Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2009 · Amount on Record
Deed Sale	Mar 23, 2009 · Amount on Record
Prior Sale	Aug 12, 2005 · Amount on Record
Deed Document Number	20096217
Prior Transfer Date	Apr 19, 2006
Prior Transfer Doc	0323870416
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	431 PALMSPRING DR, GAITHERSBURG, MD 20878-2935
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 PALMSPRING DR, GAITHERSBURG, MD 20878-2935

Mortgage

Document Number	0625960270
Date	Apr 16, 2021
Book Page	62596/270

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	327 Months
Due	Jul 1, 2048

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	431 PALMSPRING DR, GAITHERSBURG, MD 20878-2935
Transaction Type	Mortgage
Record Updated	Sep 21, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 PALMSPRING DR, GAITHERSBURG, MD 20878-2935

Mortgage

Document Number	0637760036
Date	Aug 17, 2021
Book Page	63776/36

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	431 PALMSPRING DR, GAITHERSBURG, MD 20878-2935
Document Number	0562160097
Instrument Date	Jun 15, 2018
Transaction Type	Mortgage
Record Updated	Jul 10, 2018
Title Company	NEW WORLD TITLE AND ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	431 PALMSPRING DR GAITHERSBURG MD 208782935, GAITHERSBURG, MD 20878-2935

Mortgage

Document Number	0562160097
Date	Jun 22, 2018
Book Page	056216/000097

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2048

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		$328,000 (+4.07%) Land $150,000 Building $178,000	$328,000 (-) Land $150,000 Building $178,000
2025	$4,362.00 (+5.52%)	$315,167 (+8.87%)	$328,000 (+13.3%) Land $150,000 Building $178,000
2024	$4,134.00 (+36.12%)
2023		$289,500 (+3.52%) Land $120,000 Building $169,500	$289,500 (-) Land $120,000 Building $169,500
2022	$3,037.00	$279,667	$289,500 Land $120,000 Building $169,500

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	Low lower than 99.1% of the US · lower than 98.5% 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 256 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 / 250
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband, T-Mobile.

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