640 Concerto Ln, Silver Spring, MD 20901 Property Records

Montgomery County property record for 640 Concerto Ln, Silver Spring, MD 20901 · Last verified August 2026

Property Summary

Property Type	Townhouse
Details	3 ba · 2,006 sqft · built 1982
Lot Size	0.048 acres (2,100 sqft)
Owner	Individual Name on File
Last Sale	$465,000 (May 2022)
Tax Bill	$4,545 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-02047292`

Property Details

APN / Parcel Number

Primary APN	`05-02047292`
Alternative APN	`02047292`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,006 sqft Living Area
1st Floor Area	756 sqft
Basement Area	536 sqft
Finished Basement	536 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	281 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	02047292
Street Address	640 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	93
Jurisdiction	MONTGOMERY MD
Township / Civil Division	5
Census Block Group	2
Census Block	2002
Census Tract	701506

Owner

Source: Montgomery County records · APN 05-02047292

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	Individual Name on File
Mailing Address	640 CONCERTO LN, SILVER SPRING, MD 20901-5004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 11, 2022 · Amount on Record
Deed Sale	May 11, 2022 · Amount on Record
Prior Sale	Aug 23, 2007 · Amount on Record
Deed Book / Page	65736 / 285
Record Updated	Sep 20, 2026

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	May 11, 2022
Property Address	640 CONCERTO LN, SILVER SPRING, MD 20901-5004
Document Number	0657360285
Book / Page	65736 / 285
Map Reference	MB 113 PL 13334
Instrument Date	Apr 22, 2022
Transaction Type	Transfer
Record Updated	May 23, 2022
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$6,975.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2030 ADDIS ABABA PL APT 72, 2030, DULLES, VA 20189-2030

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	640 CONCERTO LN, SILVER SPRING, MD 20901-5004

Mortgage

Document Number	0065736294
Date	May 11, 2022
Instrument	65736/294

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2052

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		$444,500 (+6.58%) Land $184,000 Building $260,500	$444,500 (-) Land $184,000 Building $260,500
2025	$4,545.00 (+8.34%)	$417,067 (+15.15%)	$444,500 (+22.72%) Land $184,000 Building $260,500
2023		$362,200 Land $184,000 Building $178,200	$362,200 Land $184,000 Building $178,200
2022	$4,195.00

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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 5 individual NFIP policies nearby
Nearby Flood Policies	5 in force 4 of 5 on primary residences
Nearby Flood Claims	2 (2011)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2011, other causes, Hurricane Irene

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 10,000 per year
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.