5 Bell Bluff Ct, Gaithersburg, MD 20879 Property Records

Montgomery County property record for 5 Bell Bluff Ct, Gaithersburg, MD 20879

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,710 sqft · built 1978
Lot Size	1.21 acres (53,008 sqft)
Owner	2 Individual Names on Record
Last Sale	$395,000 (Apr 2019)
Tax Bill	$7,054 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-01743486`

Property Details

APN / Parcel Number

Primary APN	`09-01743486`
Alternative APN	`01743486`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,710 sqft Living Area
Gross Area	3,286 sqft
1st Floor Area	1,040 sqft
Basement Area	700 sqft
Finished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Bi-Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	53,008 sqft
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	64 sqft
Deck Area	847 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	01743486
Street Address	5 BELL BLUFF CT
City	GAITHERSBURG
State	MD
Zip	20879-1115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R200
Legal Description	GOSHEN ESTATES
Legal Subdivision	GOSHEN ESTATES
Legal Block	S
Legal Lot Number	14
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	1
Census Block	1001
Census Tract	700810

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	5 BELL BLUFF CT, GAITHERSBURG, MD 20879-1115
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC
Sep 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HM LOANS
Apr 11, 2019	Grant Deed, Transfer · Conventional with PMI EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2019 · Amount on Record
Deed Sale	Apr 11, 2019 · Amount on Record
Prior Sale	Dec 11, 1996 · Amount on Record
Deed Book / Page	57426 / 277
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	5 BELL BLUFF CT, GAITHERSBURG, MD 20879-1115
Transaction Type	Mortgage
Record Updated	Apr 16, 2021
Title Company	ATG TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 BELL BLUFF CT, GAITHERSBURG, MD 20879-1115

Mortgage

Document Number	0619250173
Date	Feb 18, 2021
Book Page	61925/173

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	5 BELL BLUFF CT, GAITHERSBURG, MD 20879-1115
Document Number	0584700155
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Nov 28, 2019
Title Company	ATG TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5 BELL BLUFF CT GAITHERSBURG MD 208791115, GAITHERSBURG, MD 20879-1115

Mortgage

Document Number	0584700155
Date	Nov 12, 2019
Book Page	058470/000155

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 11, 2049

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Apr 11, 2019
Property Address	5 BELL BLUFF CT, GAITHERSBURG, MD 20879-1115
Document Number	0574260277
Book / Page	057426 / 000277
Instrument Date	Jan 7, 2019
Transaction Type	Transfer
Record Updated	Jan 10, 2020
Title Company	ATG TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$395.00
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	5 BELL BLUFF CT GAITHERSBURG MD 208791115, GAITHERSBURG, MD 20879-1115

Mortgage

Document Number	574260284
Date	Apr 11, 2019
Book Page	057426/000284

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 10, 2049

Tax Assessment & Valuation

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		$620,000 (+10.5%) Land $272,800 Building $347,200	$620,000 (-) Land $272,800 Building $347,200
2025	$7,054.00 (+52.09%)	$561,100 (+26.57%)	$620,000 (+39.86%) Land $272,800 Building $347,200
2023		$443,300 Land $246,800 Building $196,500	$443,300 Land $246,800 Building $196,500
2022	$4,638.00

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	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	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 462 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

Cell Coverage

5G (outdoors only) and 4G LTE

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