4408 Fernhill Rd, Silver Spring, MD 20906 Property Records

Montgomery County property record for 4408 Fernhill Rd, Silver Spring, MD 20906

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,134 sqft · built 1946
Lot Size	0.141 acres (6,139 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Apr 2021)
Tax Bill	$4,651 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Apr 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`13-01169611`

Property Details

APN / Parcel Number

Primary APN	`13-01169611`
Alternative APN	`01169611`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,134 sqft Living Area
1st Floor Area	648 sqft
Basement Area	486 sqft
Finished Basement	486 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,139 sqft (0.141 acres)
Deck Area	378 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	01169611
Street Address	4408 FERNHILL RD
City	SILVER SPRING
State	MD
Zip	20906-4826
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60
Legal Description	VIERS MILL VILLAGE
Legal Subdivision	VIERS MILL VILLAGE
Legal Block	14
Legal Lot Number	2
Jurisdiction	MONTGOMERY MD
Township / Civil Division	13
Census Block Group	3
Census Block	3010
Census Tract	703501

Owner

4408 Fernhill Rd is owned and occupied by an individual who bought it in April 2021.

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

Owner of Record	Individual Name on File
Mailing Address	4408 FERNHILL RD, SILVER SPRING, MD 20906-4826
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Apr 7, 2021	Deed, Transfer · FHA Mortgage TOWNE BANK MORTGAGE
Apr 27, 2020	Deed of Trust, Mortgage · Line of Credit NATIONAL INSTITUTE/HEALTH FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2021 · Amount on File
Deed Sale	Apr 7, 2021 · Amount on File
Prior Sale	Jul 7, 2015 · Amount on File
Deed Book / Page	62448 / 28
Record Updated	Sep 20, 2026

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Apr 7, 2021
Property Address	4408 FERNHILL RD, SILVER SPRING, MD 20906-4826
Document Number	0624480028
Book / Page	62448 / 28
Map Reference	MB 33 PL 2152
Instrument Date	Mar 12, 2021
Transaction Type	Transfer
Record Updated	May 19, 2021
Title Company	CITIZENS TITLE COMPANY, CITIZENS TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	4408 FERNHILL RD, SILVER SPRING, MD 20906-4826

Mortgage

Document Number	6244835
Date	Apr 7, 2021
Instrument	62448/35

Lender

Name	TOWNE BANK MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	4408 FERNHILL RD, SILVER SPRING, MD 20906-4826
Document Number	0607740374
Instrument Date	Apr 27, 2020
Transaction Type	Mortgage
Record Updated	Nov 3, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4408 FERNHILL RD SILVER SPRING MD 209064826, SILVER SPRING, MD 20906-4826

Mortgage

Document Number	0607740374
Date	Oct 14, 2020
Book Page	060774/000374

Lender

Name	NATIONAL INSTITUTE/HEALTH FCU
Type	Credit Union
Address	ROCKVILLE, MD 20850

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 13, 2045

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4408 Fernhill Rd was $4,651.

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		$418,267 (+4.14%)	$434,900 (-) Land $178,900 Building $256,000
2025	$4,651.00	$401,633	$434,900 Land $178,900 Building $256,000
2023		$376,133	$385,000 Land $178,900 Building $206,100
2022	$3,934.00

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

Flood

FEMA maps place 4408 Fernhill Rd 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

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 4408 Fernhill Rd 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 483 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

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

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