Montgomery County property record for 514 Palmtree Dr, Gaithersburg, MD 20878
| Property Type | Townhouse |
|---|---|
| Details | 1.5 ba · 1,120 sqft · built 1986 |
| Lot Size | 0.057 acres (2,479 sqft) |
| Owner | Individual Name on File |
| Last Sale | $165,000 (Nov 2012) |
| Tax Bill | $3,234 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Aug 2022 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-02435067 |
| Primary APN | 09-02435067 |
|---|---|
| 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 |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,479 sqft (0.057 acres) |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 02435067 |
|---|---|
| Street Address | 514 PALMTREE DR |
| City | GAITHERSBURG |
| State | MD |
| Zip | 20878-2934 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R20 |
| Legal Description | PARK SUMMIT |
| Legal Subdivision | PARK SUMMIT |
| Legal Block | C |
| Legal Lot Number | 8 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 9 |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 700837 |
Source: Montgomery County records · APN 09-02435067
Assessment roll updated August 17, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 514 PALMTREE DR, GAITHERSBURG, MD 20878-2934 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 24, 2023 | Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE |
| Aug 04, 2022 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| May 16, 2022 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| Mar 07, 2022 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| Apr 05, 2019 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL NETWORK INC |
| May 03, 2017 | Loan Modification, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 21, 2012 · Amount on Record |
| Deed Sale | Nov 21, 2012 · Amount on Record |
| Prior Sale | Dec 12, 2007 · Amount on Record |
| Deed Book / Page | 45385 / 265 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 514 PALMTREE DR, GAITHERSBURG, MD 20878-2934 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 514 PALMTREE DR, GAITHERSBURG, MD 20878-2934 |
| Document Number | 0670280056 |
|---|---|
| Date | May 24, 2023 |
| Book Page | 67028/56 |
| Name | JACKSON FLAGSTAR CENTRE OFFICE |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32256 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 471 Months |
| Due | Aug 01, 2062 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 514 PALMTREE DR, GAITHERSBURG, MD 20878-2934 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Title Company | FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 514 PALMTREE DR, GAITHERSBURG, MD 20878-2934 |
| Document Number | 0661060127 |
|---|---|
| Date | Aug 04, 2022 |
| Book Page | 66106/127 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32202 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Aug 01, 2062 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 514 PALMTREE DR, GAITHERSBURG, MD 20878-2934 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 514 PALMTREE DR, GAITHERSBURG, MD 20878-2934 |
| Document Number | 0657590236 |
|---|---|
| Date | May 16, 2022 |
| Book Page | 65759/236 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32202 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 514 PALMTREE DR, GAITHERSBURG, MD 20878-2934 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 514 PALMTREE DR, GAITHERSBURG, MD 20878-2934 |
| Document Number | 0653510003 |
|---|---|
| Date | Mar 07, 2022 |
| Book Page | 65351/3 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32202 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 514 PALMTREE DR, GAITHERSBURG, MD 20878-2934 |
| Transaction Type | Mortgage |
| Record Updated | Mar 03, 2021 |
| Title Company | PINNACLE SETTLEMENT SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0574020452 |
|---|---|
| Date | Apr 05, 2019 |
| Book Page | 57402/452 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Address | BREA, CA 92821 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 514 PALMTREE DR, GAITHERSBURG, MD 20878-2934 |
| Document Number | 0545670452 |
| Book / Page | 054567 / 000452 |
| Instrument Date | May 03, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 18, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 514 PALMTREE DR GAITHERSBURG MD 208782934, GAITHERSBURG, MD 20878-2934 |
| Document Number | 0545670452 |
|---|---|
| Date | Jul 07, 2017 |
| Book Page | 054567/000452 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | CORAL GABLES, FL 33146 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 06, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
Source: Montgomery County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Montgomery County |
| Municipality | Gaithersburg City |
| Unified School District | Montgomery County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $302,200 (+7.3%) Land $150,000 Building $152,200 | $302,200 (-) Land $150,000 Building $152,200 | |
| 2025 | $3,234.00 (+28.59%) | $281,633 (+17.1%) | $302,200 (+25.65%) Land $150,000 Building $152,200 |
| 2023 | $240,500 Land $120,000 Building $120,500 | $240,500 Land $120,000 Building $120,500 | |
| 2022 | $2,515.00 |
Source: FEMA National Flood Hazard Layer as of April 12, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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: Radiate Holdings, T-Mobile USA.
Based on FCC filings for 256 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WASHINGTON SUBURBAN SANITARY COMMISSION serves 1,900,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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