527 White Surf Dr, Gaithersburg, MD 20878 Property Records

Montgomery County property record for 527 White Surf Dr, Gaithersburg, MD 20878

Property Summary

Property Type	Townhouse
Details	3 ba · 1,870 sqft · built 1987
Lot Size	0.1 acres (4,344 sqft)
Owner	Individual Name on Record
Last Sale	$357,999 (Sep 2020)
Tax Bill	$5,243 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-02434815`

Property Details

APN / Parcel Number

Primary APN	`09-02434815`
Alternative APN	`02434815`

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

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	4,344 sqft (0.1 acres)
Deck Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02434815
Street Address	527 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	22
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	527 WHITE SURF DR, GAITHERSBURG, MD 20878-2938
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2020	Deed, Transfer · Conventional Mortgage APEX HOME LOANS INC
Jul 30, 2018	Deed, Transfer · FHA Mortgage EAGLE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2020 · Amount on Record
Deed Sale	Sep 8, 2020 · Amount on Record
Prior Sale	Jul 30, 2018 · Amount on Record
Deed Book / Page	60458 / 477
Prior Transfer Date	Jun 18, 2010
Prior Transfer Doc	0417870220
Record Updated	Sep 20, 2026

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Sep 8, 2020
Property Address	527 WHITE SURF DR, GAITHERSBURG, MD 20878-2938
Document Number	0604580477
Book / Page	60458 / 477
Map Reference	MB 129 PL 14979
Instrument Date	Jul 7, 2020
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	OPTIMA TTL SLN & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,474.99
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	527 WHITE SURF DR, GAITHERSBURG, MD 20878-2938

Mortgage

Document Number	60458486
Date	Sep 8, 2020
Instrument	60458/486

Lender

Name	APEX HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 1, 2050

July 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Jul 30, 2018
Property Address	527 WHITE SURF DR, GAITHERSBURG, MD 20878-2938
Document Number	0563810459
Book / Page	56381 / 459
Map Reference	MB129 PL14979
Instrument Date	Jun 27, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	REALTY TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,062.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	527 WHITE SURF DR, GAITHERSBURG, MD 20878-2938

Mortgage

Document Number	0056381467
Date	Jul 30, 2018
Instrument	56381/467

Lender

Name	EAGLE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

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		$395,200 (+3.89%) Land $150,000 Building $245,200	$395,200 (-) Land $150,000 Building $245,200
2025	$5,243.00 (+39.03%)	$380,400 (+8.44%)	$395,200 (+12.66%) Land $150,000 Building $245,200
2023		$350,800 Land $120,000 Building $230,800	$350,800 Land $120,000 Building $230,800
2022	$3,771.00

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

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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