634 Gatestone St, Gaithersburg, MD 20878 Property Records

Montgomery County property record for 634 Gatestone St, Gaithersburg, MD 20878

Property Summary

Property Type	Townhouse
Details	2.5 ba · 2,160 sqft · built 1999
Lot Size	0.046 acres (2,000 sqft)
Owner	2 Individual Names on File
Last Sale	$800,000 (Nov 2025)
Tax Bill	$8,091 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Sep 2025 Sale
Flood Zone	Zone X (minimal risk)
APN	`09-03239420`

Property Details

APN / Parcel Number

Primary APN	`09-03239420`
Alternative APN	`03239420`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,160 sqft Living Area
1st Floor Area	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,000 sqft (0.046 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	03239420
Street Address	634 GATESTONE ST
City	GAITHERSBURG
State	MD
Zip	20878-2100
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	MXD
Legal Description	LAKELANDS
Legal Subdivision	LAKELANDS
Legal Block	H
Legal Lot Number	60
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	2
Census Block	2006
Census Tract	700826

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	2 Individual Names on File
Mailing Address	634 GATESTONE ST, GAITHERSBURG, MD 20878-2100
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2025	Deed, Transfer · Conventional Mortgage CITIBANK NA
Sep 8, 2025	Deed of Distribution, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 6, 2025 · Amount on Record
Deed Sale	Nov 6, 2025 · Amount on Record
Prior Sale	Dec 12, 2001
Deed Book / Page	69802 / 173
Transfer Doc	0000226131
Record Updated	Sep 20, 2026

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Nov 6, 2025
Property Address	634 GATESTONE ST, GAITHERSBURG, MD 20878-2100
Document Number	0698020173
Book / Page	69802 / 173
Map Reference	MB 191 PL 20881
Instrument Date	Oct 14, 2025
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,000.00
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 by the Entirety
Address	634 GATESTONE ST, GAITHERSBURG, MD 20878-2100

Mortgage

Document Number	0069802187
Date	Nov 6, 2025
Instrument	69802/187

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

September 2025: Deed of Distribution, Transfer

Document Type	Deed of Distribution
Jurisdiction	MONTGOMERY MD
Recording Date	Sep 8, 2025
Property Address	634 GATESTONE ST, GAITHERSBURG, MD 20878-2100
Document Number	0695670021
Book / Page	69567 / 21
Map Reference	MB 191 PL 20881
Instrument Date	Aug 18, 2025
Transaction Type	Transfer
Record Updated	Sep 24, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	634 GATESTONE ST, GAITHERSBURG, MD 20878-2100

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		$607,600 (+1.8%) Land $300,000 Building $307,600	$607,600 (-) Land $300,000 Building $307,600
2025	$8,091.00 (+2.47%)	$596,833 (+3.74%)	$607,600 (+5.61%) Land $300,000 Building $307,600
2024	$7,896.00 (+18.15%)
2023		$575,300 Land $300,000 Building $275,300	$575,300 Land $300,000 Building $275,300
2022	$6,683.00

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	5 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2015 · rainfall accumulation

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	Not rated no burnable land within 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 864 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 / 2,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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