505 White Surf Dr, Gaithersburg, MD 20878 Property Records

Montgomery County property record for 505 White Surf Dr, Gaithersburg, MD 20878

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,420 sqft · built 1986
Lot Size	0.05 acres (2,160 sqft)
Owner	2 Individual Names on Record
Last Sale	$470,000 (Mar 2026)
Tax Bill	$3,963 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-02434713`

Property Details

APN / Parcel Number

Primary APN	`09-02434713`
Alternative APN	`02434713`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,420 sqft Living Area
1st Floor Area	560 sqft
Basement Area	300 sqft
Finished Basement	300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,160 sqft (0.05 acres)
Deck Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02434713
Street Address	505 WHITE SURF DR
City	GAITHERSBURG
State	MD
Zip	20878-2937
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R20
Legal Description	PARK SUMMIT
Legal Subdivision	PARK SUMMIT
Legal Block	A
Legal Lot Number	12
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	2
Census Block	2004
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	2 Individual Names on Record
Mailing Address	505 WHITE SURF DR, GAITHERSBURG, MD 20878-2937
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2026	Deed, Transfer · VA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Jun 1, 2021	Deed, Transfer · Conventional Mortgage STIFEL BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2026 · Amount on Record
Deed Sale	Mar 16, 2026 · Amount on Record
Prior Sale	Jun 1, 2021 · Amount on Record
Deed Book / Page	70243 / 54
Prior Transfer Date	Nov 7, 2024
Prior Transfer Doc	0686320222
Record Updated	Sep 20, 2026

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Mar 16, 2026
Property Address	505 WHITE SURF DR, GAITHERSBURG, MD 20878-2937
Document Number	0702430054
Book / Page	70243 / 54
Map Reference	MB 129 PL 14979
Instrument Date	Mar 12, 2026
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	FLYNN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,175.00
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 by the Entirety
Address	505 WHITE SURF DR, GAITHERSBURG, MD 20878-2937

Mortgage

Document Number	0007024362
Date	Mar 16, 2026
Instrument	70243/62

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Jun 1, 2021
Property Address	505 WHITE SURF DR, GAITHERSBURG, MD 20878-2937
Document Number	0631560323
Book / Page	63156 / 323
Map Reference	MB 129 PL 14979
Instrument Date	May 14, 2021
Transaction Type	Transfer
Record Updated	Jun 18, 2021
Title Company	TITLE TOWN SETTLEMENTS, TITLE TOWN SETTLEMENTS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,486.10
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	505 WHITE SURF DR, GAITHERSBURG, MD 20878-2937

Mortgage

Document Number	63156330
Date	Jun 1, 2021
Instrument	63156/330

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

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

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		$352,400 (+5.14%) Land $150,000 Building $202,400	$352,400 (-) Land $150,000 Building $202,400
2025	$3,963.00 (-9.21%)	$335,167 (+11.46%)	$352,400 (+17.19%) Land $150,000 Building $202,400
2024	$4,365.00 (+33.77%)
2023		$300,700 Land $120,000 Building $180,700	$300,700 Land $120,000 Building $180,700
2022	$3,263.00

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 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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