643 Cedar Spring St, #643, Gaithersburg, MD 20877 Property Records

Montgomery County property record for 643 Cedar Spring St, #643, Gaithersburg, MD 20877

Property Summary

Property Type	Condominium
Details	2,894 sqft · built 2006
Lot Size	0.001 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$430,000 (Sep 2021)
Tax Bill	$4,771 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-03529025`

Property Details

APN / Parcel Number

Primary APN	`09-03529025`
Alternative APN	`03529025`

Interior

Building Area	2,894 sqft Living Area
1st Floor Area	2,894 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Condo/Apartment
Lot Area	43,560 sqft (0.001 acres)

Location & Zoning

Account Number	03529025
Street Address	643 CEDAR SPRING ST, 643
City	GAITHERSBURG
State	MD
Zip	20877-3332
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	MXD
Legal Description	UN 643 HIDDEN CREEK CODM PH 5 CORRECTION PLAT
Legal Subdivision	HIDDEN CREEK CODM PH 1
Legal Phase	5
Legal Block	1
Legal Unit	643
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	1
Census Block	1004
Census Tract	700726

Owner

Source: Montgomery County records, 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 Record
Mailing Address	643 CEDAR SPRING ST, 643, GAITHERSBURG, MD 20877-3332
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2021 · Amount on Record
Deed Sale	Sep 10, 2021 · Amount on Record
Prior Sale	Mar 10, 2008
Deed Book / Page	63994 / 444
Prior Transfer Date	Jun 12, 2006
Prior Transfer Doc	0325290199
Record Updated	Sep 20, 2026

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Sep 10, 2021
Property Address	643 CEDAR SPRING ST, GAITHERSBURG, MD 20877-3332
Document Number	0639940444
Book / Page	63994 / 444
Map Reference	PL 9040-9044
Instrument Date	Aug 26, 2021
Transaction Type	Transfer
Record Updated	Sep 22, 2021
Title Company	CARDINAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	643 CEDAR SPRING ST, GAITHERSBURG, MD 20877-3332

Mortgage

Document Number	63994454
Date	Sep 10, 2021
Instrument	63994/454

Lender

Name	EAGLE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

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		$420,000 (+5.44%) Land $126,000 Building $294,000	$420,000 (-) Land $126,000 Building $294,000
2025	$4,771.00 (-6.91%)	$398,333 (+12.21%)	$420,000 (+18.31%) Land $126,000 Building $294,000
2024	$5,125.00 (+28.64%)
2023		$355,000 Land $106,500 Building $248,500	$355,000 Land $106,500 Building $248,500
2022	$3,984.00

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	2 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 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 460 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 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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