653 Cedar Spring St, Apt 653, Gaithersburg, MD 20877 Property Records

Montgomery County property record for 653 Cedar Spring St, Apt 653, Gaithersburg, MD 20877

Property Summary

Property Type	Condominium
Details	1,868 sqft · built 2006
Lot Size	0.001 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (May 2025)
Tax Bill	$4,424 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-03529071`

Property Details

APN / Parcel Number

Primary APN	`09-03529071`
Alternative APN	`03529071`

Interior

Building Area	1,868 sqft Living Area
1st Floor Area	1,868 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	03529071
Street Address	653 CEDAR SPRING ST, 653
City	GAITHERSBURG
State	MD
Zip	20877-3332
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	MXD
Legal Description	UN 653 HIDDEN CREEK CODM PH 5 CORRECTION PLAT
Legal Subdivision	HIDDEN CREEK CODM PH 1
Legal Phase	5
Legal Block	1
Legal Unit	653
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	1
Census Block	1004
Census Tract	700726

Owner

653 Cedar Spring St, Apt 653 is owned by two individuals who bought it in May 2025.

Source: Montgomery County records, as of August 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	653 CEDAR SPRING ST, 653, GAITHERSBURG, MD 20877-3332
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2021	Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 23, 2017	Special Warranty Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2025 · Amount on File
Deed Sale	May 27, 2025 · Amount on File
Prior Sale	Oct 25, 2021 · Amount on File
Deed Book / Page	69210 / 193
Prior Transfer Date	Sep 28, 2006
Prior Transfer Doc	0332020680
Record Updated	Sep 20, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Oct 25, 2021
Property Address	653 CEDAR SPRING ST, GAITHERSBURG, MD 20877-3332
Document Number	0643680029
Book / Page	64368 / 29
Map Reference	PL 9040-9044
Instrument Date	Oct 8, 2021
Transaction Type	Transfer
Record Updated	Nov 9, 2021
Title Company	COMMONWEALTH LAND TITLE INSURANCE COMPANY, COMMONWEALTH LAND TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	653 CEDAR SPRING ST, GAITHERSBURG, MD 20877-3332

Mortgage

Document Number	6436837
Date	Oct 25, 2021
Instrument	64368/37

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

May 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTGOMERY MD
Recording Date	May 23, 2017
Property Address	653 CEDAR SPRING ST, GAITHERSBURG, MD 20877-3332
Document Number	0543350345
Book / Page	54335 / 345
Map Reference	PL8977-8981
Instrument Date	May 15, 2017
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	FIRST TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,100.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	653 CEDAR SPRING ST, GAITHERSBURG, MD 20877-3332

Mortgage

Document Number	0054335354
Date	May 23, 2017
Instrument	54335/354

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 653 Cedar Spring St, Apt 653 was $4,424, down 7% from the year before.

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		$395,000 (+6.28%) Land $118,500 Building $276,500	$395,000 (-) Land $118,500 Building $276,500
2025	$4,424.00 (-6.98%)	$371,667	$395,000 Land $118,500 Building $276,500
2024	$4,756.00
2023		$325,000 Land $97,500 Building $227,500	$325,000 Land $97,500 Building $227,500
2022	$3,606.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 653 Cedar Spring St, Apt 653 in Zone X, an area of minimal flood risk.

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

The area around 653 Cedar Spring St, Apt 653 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.

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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