638 Concerto Ln, Silver Spring, MD 20901 Property Records

Montgomery County property record for 638 Concerto Ln, Silver Spring, MD 20901

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,554 sqft · built 1982
Lot Size	0.048 acres (2,100 sqft)
Owner	2 Individual Names on File
Last Sale	$148,500 (Mar 1998)
Tax Bill	$4,263 (2025)
Deeds & Mortgages	Oct 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`05-02047281`

Property Details

APN / Parcel Number

Primary APN	`05-02047281`
Alternative APN	`02047281`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,554 sqft Living Area
1st Floor Area	798 sqft
Basement Area	1 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,100 sqft (0.048 acres)
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02047281
Street Address	638 CONCERTO LN
City	SILVER SPRING
State	MD
Zip	20901-5004
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	DUMONT OAKS
Legal Subdivision	DUMONT OAKS
Legal Block	A
Legal Lot Number	92
Jurisdiction	MONTGOMERY MD
Township / Civil Division	5
Census Block Group	2
Census Block	2002
Census Tract	701506

Owner

Source: Montgomery County records · APN 05-02047281

Assessment roll updated August 17, 2026 · Last verified August 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	638 CONCERTO LN, SILVER SPRING, MD 20901-5004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 20, 1998 · Amount on Record
Deed Sale	Mar 20, 1998 · Amount on Record
Deed Document Number	1998112703
Deed Book / Page	15650 / 239
Record Updated	Sep 20, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	638 CONCERTO LN, SILVER SPRING, MD 20901-5004
Document Number	0552870107
Book / Page	055287 / 000107
Instrument Date	Oct 03, 2017
Transaction Type	Mortgage
Record Updated	Dec 12, 2017
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 CONCERTO LN SILVER SPRING MD 209015004, SILVER SPRING, MD 20901-5004

Mortgage

Document Number	0552870107
Date	Nov 29, 2017
Book Page	055287/000107

Lender

Name	STATE EMP CU/MD
Type	Credit Union
Address	LINTHICUM, MD 21090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 28, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Montgomery County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Montgomery County
Unified School District	Montgomery County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$411,200 (+4.74%) Land $184,000 Building $227,200	$411,200 (-) Land $184,000 Building $227,200
2025	$4,263.00 (+24.18%)	$392,600 (+10.47%)	$411,200 (+15.7%) Land $184,000 Building $227,200
2023		$355,400 Land $184,000 Building $171,400	$355,400 Land $184,000 Building $171,400
2022	$3,433.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Montgomery County (24031C), updated April 12, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240317015062, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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	2 (2011)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2011 · Hurricane Irene

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 347 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	WASHINGTON SUBURBAN SANITARY COMMISSION serves 1,900,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.