Montgomery County property record for 644 Cedar Spring St, Gaithersburg, MD 20877
| Property Type | Townhouse |
|---|---|
| Details | 3.5 ba · 2,280 sqft · built 2005 |
| Lot Size | 0.052 acres (2,251 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $362,000 (Dec 2008) |
| Tax Bill | $6,257 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-03453940 |
| Primary APN | 09-03453940 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,280 sqft Living Area |
| 1st Floor Area | 900 sqft |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,251 sqft (0.052 acres) |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 03453940 |
|---|---|
| Street Address | 644 CEDAR SPRING ST |
| City | GAITHERSBURG |
| State | MD |
| Zip | 20877-3331 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | MXD |
| Legal Description | HIDDEN CREEK |
| Legal Subdivision | HIDDEN CREEK |
| Legal Block | F |
| Legal Lot Number | 16 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 9 |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 700726 |
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 | 4 COTTONWOOD DR, PRINCETON JUNCTION, NJ 08550-3252 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 12, 2008 · Amount on Record |
| Deed Sale | Dec 12, 2008 · Amount on Record |
| Prior Sale | Dec 12, 2008 · Amount on Record |
| Deed Document Number | 20081791 |
| Last Transfer Date | Oct 8, 2009 |
| Transfer Doc | 0000018266 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 644 CEDAR SPRING ST, GAITHERSBURG, MD 20877-3331 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2023 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0641240268 |
|---|---|
| Date | Sep 27, 2021 |
| Book Page | 64124/268 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Jun 1, 2051 |
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 | $544,900 (+7.04%) Land $150,000 Building $394,900 | $544,900 (-) Land $150,000 Building $394,900 | |
| 2025 | $6,257.00 (+10.57%) | $509,067 (+16.38%) | $544,900 (+24.58%) Land $150,000 Building $394,900 |
| 2023 | $437,400 (+2.25%) Land $150,000 Building $287,400 | $437,400 (-) Land $150,000 Building $287,400 | |
| 2022 | $5,659.00 Homeowner's exemption | $427,767 | $437,400 Land $150,000 Building $287,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 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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