517 White Surf Dr, Gaithersburg, MD 20878 Property Records

Montgomery County property record for 517 White Surf Dr, Gaithersburg, MD 20878

Property Summary

Property Type	Townhouse
Details	3 ba · 1,870 sqft · built 1987
Lot Size	0.102 acres (4,428 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Feb 2005)
Tax Bill	$5,323 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Apr 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-02434768`

Property Details

APN / Parcel Number

Primary APN	`09-02434768`
Alternative APN	`02434768`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,870 sqft Living Area
1st Floor Area	680 sqft
Basement Area	510 sqft
Finished Basement	510 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	4,428 sqft (0.102 acres)
Deck Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02434768
Street Address	517 WHITE SURF DR
City	GAITHERSBURG
State	MD
Zip	20878-2938
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	17
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	2
Census Block	2004
Census Tract	700837

Owner

Source: Montgomery County assessment roll, 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	Individual Name on File
Mailing Address	517 WHITE SURF DR, GAITHERSBURG, MD 20878-2938
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2022	Deed of Trust, Mortgage · Line of Credit FULTON BANK NA
Apr 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 28, 2005 · Amount on Record
Deed Sale	Feb 28, 2005 · Amount on Record
Prior Sale	Feb 28, 2005 · Amount on Record
Deed Document Number	20059040
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	517 WHITE SURF DR, GAITHERSBURG, MD 20878-2938
Transaction Type	Mortgage
Record Updated	Sep 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9512 AMENT ST, SILVER SPRING, MD 20910-1269

Mortgage

Document Number	0662670477
Date	Sep 19, 2022
Book Page	66267/477

Lender

Name	FULTON BANK NA
Type	Bank
Address	ROCKVILLE, MD 20850

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	517 WHITE SURF DR, GAITHERSBURG, MD 20878-2938
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9512 AMENT ST, SILVER SPRING, MD 20910-1269

Mortgage

Document Number	0656270001
Date	Apr 21, 2022
Book Page	65627/1

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

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		$398,800 (+3.85%) Land $150,000 Building $248,800	$398,800 (-) Land $150,000 Building $248,800
2025	$5,323.00 (+33.44%)	$384,033 (+8.33%)	$398,800 (+12.5%) Land $150,000 Building $248,800
2023		$354,500 Land $120,000 Building $234,500	$354,500 Land $120,000 Building $234,500
2022	$3,989.00

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 94% of the US · lower than 87% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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: Radiate Holdings, T-Mobile USA.

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