727 Turtle Pond Ln, Gaithersburg, MD 20878 Property Records

Montgomery County property record for 727 Turtle Pond Ln, Gaithersburg, MD 20878

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,877 sqft · built 2002
Lot Size	0.179 acres (7,816 sqft)
Owner	2 Individual Names on File
Last Sale	$600,540 (Nov 2002)
Tax Bill	$11,699 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-03298827`

Property Details

APN / Parcel Number

Primary APN	`09-03298827`
Alternative APN	`03298827`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,877 sqft Living Area
Gross Area	3,361 sqft
1st Floor Area	1,509 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Bi-Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,816 sqft (0.179 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	252 sqft
Deck Area	170 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	03298827
Street Address	727 TURTLE POND LN
City	GAITHERSBURG
State	MD
Zip	20878-3223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MXD
Legal Description	LAKELANDS PH 3 SEC 2
Legal Subdivision	LAKELANDS
Legal Phase	3
Legal Block	AA
Legal Lot Number	6
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	2
Census Block	2012
Census Tract	700826

Owner

727 Turtle Pond Ln is owned and occupied by two individuals who bought it in November 2002.

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

Owner of Record	2 Individual Names on File
Mailing Address	727 TURTLE POND LN, GAITHERSBURG, MD 20878-3223
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Sep 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC
Sep 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2002 · Amount on File
Deed Sale	Nov 1, 2002 · Amount on File
Deed Document Number	2002254486
Deed Book / Page	22129 / 640
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	727 TURTLE POND LN, GAITHERSBURG, MD 20878-3223
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WORLDWIDE SETTLEMENTS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	727 TURTLE POND LN, GAITHERSBURG, MD 20878-3223

Mortgage

Document Number	0606030228
Date	Sep 28, 2020
Book Page	60603/228

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2035

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	727 TURTLE POND LN, GAITHERSBURG, MD 20878-3223
Document Number	0582890046
Instrument Date	Sep 30, 2019
Transaction Type	Mortgage
Record Updated	Oct 28, 2019
Title Company	WORLDWIDE SETTLEMENTS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	727 TURTLE POND LN GAITHERSBURG MD 208783223, GAITHERSBURG, MD 20878-3223

Mortgage

Document Number	0582890046
Date	Oct 11, 2019
Book Page	058289/000046

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 10, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 727 Turtle Pond Ln was $11,699.

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		$969,600 (+5.67%) Land $418,200 Building $551,400	$969,600 (-) Land $418,200 Building $551,400
2025	$11,699.00	$917,533	$969,600 Land $418,200 Building $551,400
2023		$813,400 Land $418,200 Building $395,200	$813,400 Land $418,200 Building $395,200
2022	$9,937.00

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

Flood

FEMA maps place 727 Turtle Pond Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2015 · rainfall accumulation

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

Wildfire risk around 727 Turtle Pond Ln is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 90% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 195 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

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