525 White Surf Dr, Gaithersburg, MD 20878 Property Records

Montgomery County property record for 525 White Surf Dr, Gaithersburg, MD 20878

Property Summary

Property Type	Townhouse
Details	3.5 ba · 1,800 sqft · built 1987
Lot Size	0.05 acres (2,160 sqft)
Owner	Individual Name on File
Last Sale	$410,000 (Aug 2022)
Tax Bill	$4,265 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-02434804`

Property Details

APN / Parcel Number

Primary APN	`09-02434804`
Alternative APN	`02434804`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,800 sqft Living Area
1st Floor Area	680 sqft
Basement Area	480 sqft
Finished Basement	480 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)
Deck Area	100 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02434804
Street Address	525 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	21
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	2
Census Block	2004
Census Tract	700837

Owner

525 White Surf Dr, a townhouse, is owned and occupied by an individual who bought it in August 2022.

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

Owner of Record	Individual Name on File
Mailing Address	525 WHITE SURF DR, GAITHERSBURG, MD 20878-2938
Occupancy	Owner Occupied
Owner Type	Individual

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	Aug 8, 2022 · Amount on File
Deed Sale	Aug 8, 2022 · Amount on File
Prior Sale	Jun 25, 2001
Deed Book / Page	66116 / 358
Prior Transfer Date	Nov 5, 2010
Prior Transfer Doc	0000174730
Record Updated	Sep 20, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Aug 8, 2022
Property Address	525 WHITE SURF DR, GAITHERSBURG, MD 20878-2938
Document Number	0661160358
Book / Page	66116 / 358
Map Reference	MB 129 PL 14979
Instrument Date	Jul 22, 2022
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	BAYVILLE TITLE AND ESCROW LLC, BAYLINE TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	525 WHITE SURF DR, GAITHERSBURG, MD 20878-2938

Mortgage

Document Number	0066116367
Date	Aug 8, 2022
Instrument	66116/367

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Aug 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9%
Index	Other
Margin	3
Max Rate	9%

Tax Assessment & Valuation

The 2025 property tax bill for 525 White Surf Dr was $4,265.

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		$389,700 (+8.69%) Land $150,000 Building $239,700	$389,700 (-) Land $150,000 Building $239,700
2025	$4,265.00	$358,533	$389,700 Land $150,000 Building $239,700
2023		$296,200 Land $120,000 Building $176,200	$296,200 Land $120,000 Building $176,200
2022	$3,208.00

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

Flood

FEMA maps place 525 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 525 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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