Montgomery County property record for 512 White Surf Ter, Gaithersburg, MD 20878
| Property Type | Townhouse |
|---|---|
| Details | 1.5 ba · 1,120 sqft · built 1987 |
| Lot Size | 0.05 acres (2,160 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $178,160 (Feb 2012) |
| Tax Bill | $4,047 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-02434611 |
| Primary APN | 09-02434611 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,120 sqft Living Area |
| 1st Floor Area | 560 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,160 sqft (0.05 acres) |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 02434611 |
|---|---|
| Street Address | 512 WHITE SURF TER |
| City | GAITHERSBURG |
| State | MD |
| Zip | 20878-2939 |
| 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 | 2 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 9 |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 700837 |
512 White Surf Ter, a townhouse, is owned by two individuals who bought it in February 2012.
Source: Montgomery County records, as of August 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11548 BRANDY HALL LN, NORTH POTOMAC, MD 20878-2426 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 15, 2012 · Amount on File |
| Deed Sale | Feb 15, 2012 · Amount on File |
| Prior Sale | Jul 30, 1991 · Amount on File |
| Deed Book / Page | 43302 / 298 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 512 White Surf Ter was $4,047.
Source: Montgomery County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Montgomery County |
| Municipality | Gaithersburg City |
| Unified School District | Montgomery County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $303,300 (+5.15%) Land $150,000 Building $153,300 | $303,300 (-) Land $150,000 Building $153,300 | |
| 2025 | $4,047.00 | $288,433 | $303,300 Land $150,000 Building $153,300 |
| 2023 | $258,700 Land $120,000 Building $138,700 | $258,700 Land $120,000 Building $138,700 | |
| 2022 | $3,396.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 512 White Surf Ter in Zone X, an area of minimal flood risk.
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 risk around 512 White Surf Ter 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 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.
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 |
| 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.
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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