45 Oswego Ave, Silver Spring, MD 20910 Property Records

Montgomery County property record for 45 Oswego Ave, Silver Spring, MD 20910

Property Summary

Property Type	Single Family Home
Details	2 ba · 855 sqft · built 1942
Lot Size	0.126 acres (5,483 sqft)
Owner	2 Company Names on Record
Last Sale	$415,000 (Apr 2020)
Tax Bill	$7,324 (2025)
Deeds & Mortgages	Jun 2023 Transfer Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-01062680`

Property Details

APN / Parcel Number

Primary APN	`13-01062680`
Alternative APN	`01062680`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	855 sqft Living Area
1st Floor Area	855 sqft

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Architectural Style	Conventional
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	5,483 sqft (0.126 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	01062680
Street Address	45 OSWEGO AVE
City	SILVER SPRING
State	MD
Zip	20910-5107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60
Legal Description	B F G
Legal Subdivision	H.E. ROGERS SUB
Legal Block	60
Legal Lot Number	23
Jurisdiction	MONTGOMERY MD
Township / Civil Division	13
Census Block Group	3
Census Block	3000
Census Tract	701800

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 Company Names on Record
Mailing Address	45 OSWEGO AVE, SILVER SPRING, MD 20910-5107
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2023	Gift Deed, Transfer
Oct 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Apr 30, 2020	Grant Deed, Transfer · Conventional with PMI VELLUM MTG LLC
Aug 6, 2018	Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2020 · Amount on Record
Deed Sale	Apr 30, 2020 · Amount on Record
Prior Sale	Aug 6, 2018 · Amount on Record
Deed Book / Page	59461 / 1
Last Transfer Date	Jun 2, 2023
Transfer Doc	0670820020
Record Updated	Sep 20, 2026

June 2023: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Jun 9, 2023
Property Address	45 OSWEGO AVE, SILVER SPRING, MD 20910-5107
Document Number	0670820020
Book / Page	67082 / 20
Map Reference	MB 25 PL 1591
Instrument Date	Jun 2, 2023
Transaction Type	Transfer
Record Updated	Jun 26, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	45 OSWEGO AVE, SILVER SPRING, MD 20910-5107

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	45 OSWEGO AVE, SILVER SPRING, MD 20910-5107
Transaction Type	Mortgage
Record Updated	May 26, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0583660111
Date	Oct 24, 2019
Book Page	58366/111

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Apr 30, 2020
Property Address	45 OSWEGO AVE, SILVER SPRING, MD 20910-5107
Document Number	0594610001
Book / Page	059461 / 000001
Instrument Date	Apr 21, 2020
Transaction Type	Transfer
Record Updated	Jun 4, 2020
Title Company	KVS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$415.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	45 OSWEGO AVE SILVER SPRING MD 209105107, SILVER SPRING, MD 20910-5107

Mortgage

Document Number	594610009
Date	Apr 30, 2020
Book Page	059461/000009

Lender

Name	VELLUM MTG LLC
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2050

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Aug 6, 2018
Property Address	45 OSWEGO AVE, SILVER SPRING, MD 20910-5107
Document Number	0564150329
Book / Page	56415 / 329
Map Reference	MB25 PL1591
Instrument Date	Jul 16, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	RGS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,925.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	45 OSWEGO AVE, SILVER SPRING, MD 20910-5107

Mortgage

Document Number	0056415335
Date	Aug 6, 2018
Instrument	56415/335

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Montgomery County
Municipality	Takoma Park City
Unified School District	Montgomery County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$476,633 (+3.96%)	$494,800 (-) Land $328,600 Building $166,200
2025	$7,324.00 (+16.09%)	$458,467 (+6.89%)	$494,800 (+12.38%) Land $328,600 Building $166,200
2023		$428,933 (+2.72%)	$440,300 (-) Land $328,600 Building $111,700
2022	$6,309.00	$417,567	$440,300 Land $328,600 Building $111,700

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 96% of the US · lower than 92% 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 392 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
Astound Broadband Cable	1,500 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Starry.

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