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640 Cedar Spring St, Gaithersburg, MD 20877 Property Records

Montgomery County property record for 640 Cedar Spring St, Gaithersburg, MD 20877

Property Summary

Property TypeTownhouse
Details3.5 ba · 2,280 sqft · built 2005
Lot Size0.052 acres (2,251 sqft)
Owner2 Company Names on Record
Last Sale$487,500 (Jan 2022)
Tax Bill$6,892 (2025)
Deeds & MortgagesJan 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN09-03453938

Property Details

APN / Parcel Number

Primary APN09-03453938
Alternative APN
  • 03453938

Interior

Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,280 sqft Living Area
1st Floor Area900 sqft
Basement Area500 sqft
Finished Basement500 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Architectural StyleTownhouse
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area2,251 sqft (0.052 acres)
Garage TypeDetached
Garage Area400 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Account Number03453938
Street Address640 CEDAR SPRING ST
CityGAITHERSBURG
StateMD
Zip20877-3331
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodeMXD
Legal DescriptionHIDDEN CREEK
Legal SubdivisionHIDDEN CREEK
Legal BlockF
Legal Lot Number15
JurisdictionMONTGOMERY MD
Township / Civil Division9
Census Block Group1
Census Block1007
Census Tract700726

Owner

Source: Montgomery County records, as of August 25, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Company Names on Record
Mailing Address6 VAN DYCK CT, POTOMAC, MD 20854-3346
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 25, 2022 · Amount on Record
Deed SaleJan 25, 2022 · Amount on Record
Prior SaleJan 25, 2022 · Amount on Record
Deed Document Number2022
Deed Book / Page65117 / 192
Record UpdatedOct 29, 2026

January 2022: Deed, Transfer

Document TypeDeed
JurisdictionMONTGOMERY MD
Recording DateJan 25, 2022
Property Address640 CEDAR SPRING ST, GAITHERSBURG, MD 20877-3331
Document Number0651170192
Book / Page65117 / 192
Map ReferencePL 22971
Instrument DateJan 13, 2022
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyREGIS TITLE LLC, RGS TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$7,312.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address18124 HAYLOFT DR, 18124, DERWOOD, MD 20855-1669

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Severalty
Address18124 HAYLOFT DR, DERWOOD, MD 20855-1669

Mortgage

Document Number0065117196
DateJan 25, 2022
Instrument65117/196
Lender
NameLENDSURE MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2052

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of August 17, 2026

Property Jurisdictions

TypeName
StateMaryland
CountyMontgomery County
MunicipalityGaithersburg City
Unified School DistrictMontgomery County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$540,100 (+7.01%) Land $150,000 Building $390,100$540,100 (-) Land $150,000 Building $390,100
2025$6,892.00 (+22.7%)$504,700 (+16.32%)$540,100 (+24.48%) Land $150,000 Building $390,100
2023$433,900 Land $150,000 Building $283,900$433,900 Land $150,000 Building $283,900
2022$5,617.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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 RiskNot 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 SystemWASHINGTON SUBURBAN SANITARY COMMISSION
serves 1,900,000 people · EPA ID MD0150005
Water SourceSurface water
Last State InspectionMay 2025
LeadUnder 1 ppb (2018–2020)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 460 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Verizon
Fiber · Fixed Wireless in parts of the area		2,300 / 2,300
Xfinity
Cable		2,000 / 250
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

May also be available: Astound Broadband.

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