Montgomery County property record for 638 Gatestone St, Gaithersburg, MD 20878
| 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 | $561,138 (Jun 1999) |
| Tax Bill | $7,627 (2025) |
| Deeds & Mortgages | Apr 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-03239418 |
| Primary APN | 09-03239418 |
|---|---|
| Alternative APN |
|
| 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 |
| 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 |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 03239418 |
|---|---|
| Street Address | 638 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 | 59 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 9 |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 700826 |
638 Gatestone St, a townhouse, is owned and occupied by two individuals who bought it in June 1999.
Source: Montgomery County records, as of October 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 638 GATESTONE ST, GAITHERSBURG, MD 20878-2100 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 1999 · Amount on File |
| Deed Sale | Jun 29, 1999 · Amount on File |
| Deed Document Number | 1999151950 |
| Deed Book / Page | 17242 / 409 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 638 GATESTONE ST, GAITHERSBURG, MD 20878-2100 |
| Transaction Type | Mortgage |
| Record Updated | May 11, 2022 |
| Name | Verified Name |
|---|---|
| Address | 638 GATESTONE ST, GAITHERSBURG, MD 20878-2100 |
| Document Number | 0656770434 |
|---|---|
| Date | Apr 29, 2022 |
| Book Page | 65677/434 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Apr 15, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 638 Gatestone St was $7,627.
Source: Montgomery County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Montgomery County |
| Municipality | Gaithersburg City |
| Unified School District | Montgomery County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $625,800 (+1.86%) Land $300,000 Building $325,800 | $625,800 (-) Land $300,000 Building $325,800 | |
| 2025 | $7,627.00 | $614,367 | $625,800 Land $300,000 Building $325,800 |
| 2023 | $591,500 Land $300,000 Building $291,500 | $591,500 Land $300,000 Building $291,500 | |
| 2022 | $6,879.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 638 Gatestone St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.
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.
The area around 638 Gatestone St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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