521 White Surf Dr, Gaithersburg, MD 20878 Property Records

Montgomery County property record for 521 White Surf Dr, Gaithersburg, MD 20878

Property Summary

Property Type	Townhouse
Details	2 ba · 1,420 sqft · built 1987
Lot Size	0.05 acres (2,160 sqft)
Owner	Individual Name on File
Last Sale	$154,000 (Apr 2001)
Tax Bill	$4,627 (2025)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-02434781`

Property Details

APN / Parcel Number

Primary APN	`09-02434781`
Alternative APN	`02434781`

Interior

Full Baths	2 Baths
Half Baths	2 Half Baths
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 1987
Effective Year Built	Effective 1987
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,160 sqft (0.05 acres)
Deck Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02434781
Street Address	521 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	19
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	2
Census Block	2004
Census Tract	700837

Owner

521 White Surf Dr, a townhouse, is owned by an individual who bought it in April 2001.

Source: Montgomery County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	12519 CAPSTONE DR, HAGERSTOWN, MD 21740-1079
Owner Type	Individual
Vesting	Sole Owner

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2001 · Amount on File
Deed Sale	Apr 6, 2001 · Amount on File
Deed Document Number	2001204924
Deed Book / Page	18980 / 417
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	521 WHITE SURF DR, GAITHERSBURG, MD 20878-2938
Transaction Type	Mortgage
Record Updated	May 31, 2021
Title Company	SERVICELINK, SERVICE LINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12519 CAPSTONE DR, HAGERSTOWN, MD 21740-1079

Mortgage

Document Number	0622860465
Date	Mar 23, 2021
Book Page	62286/465

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 521 White Surf Dr was $4,627.

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		$349,900 (+5.05%) Land $150,000 Building $199,900	$349,900 (-) Land $150,000 Building $199,900
2025	$4,627.00	$333,067	$349,900 Land $150,000 Building $199,900
2023		$299,400 Land $120,000 Building $179,400	$299,400 Land $120,000 Building $179,400
2022	$3,939.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 521 White Surf Dr 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

Wildfire risk around 521 White Surf Dr 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 94% of the US · lower than 87% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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