516 White Surf Ter, Gaithersburg, MD 20878 Property Records

Montgomery County property record for 516 White Surf Ter, Gaithersburg, MD 20878

Property Summary

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	$256,350 (Jun 2019)
Tax Bill	$3,970 (2025)
Deeds & Mortgages	Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-02434633`

Property Details

APN / Parcel Number

Primary APN	`09-02434633`
Alternative APN	`02434633`

Interior

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

Exterior

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)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02434633
Street Address	516 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	4
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 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	12013 TREGONING PL, CLARKSBURG, MD 20871-9360
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2019 · Amount on File
Deed Sale	Jun 6, 2019 · Amount on File
Prior Sale	Jun 27, 2002 · Amount on File
Deed Book / Page	57671 / 336
Record Updated	Sep 20, 2026

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Jun 6, 2019
Property Address	516 WHITE SURF TER, GAITHERSBURG, MD 20878-2939
Document Number	0576710336
Book / Page	057671 / 000336
Instrument Date	May 15, 2019
Transaction Type	Transfer
Record Updated	Jun 27, 2019
Title Company	JACQUIES TITLE GROUP, JACQUIES TITLE GRP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$256.35
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	516 WHITE SURF TER GAITHERSBURG MD 208782939, GAITHERSBURG, MD 20878-2939

Mortgage

Document Number	576710341
Date	Jun 6, 2019
Book Page	057671/000341

Lender

Name	CENTURY LNDG
Address	LOUISVILLE, KY 40223

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 5, 2049

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		$297,200 (+5.2%) Land $150,000 Building $147,200	$297,200 (-) Land $150,000 Building $147,200
2025	$3,970.00 (+19.22%)	$282,500 (+11.62%)	$297,200 (+17.42%) Land $150,000 Building $147,200
2023		$253,100 Land $120,000 Building $133,100	$253,100 Land $120,000 Building $133,100
2022	$3,330.00

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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