Montgomery County property record for 8 James St, Gaithersburg, MD 20877
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,360 sqft · built 1927 |
| Lot Size | 0.238 acres (10,370 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $475,000 (Jun 2026) |
| Tax Bill | $4,822 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-00841877 |
| Primary APN | 09-00841877 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,360 sqft Living Area |
| 1st Floor Area | 970 sqft |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Architectural Style | Multi-Level |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 10,370 sqft (0.238 acres) |
| Garage Type | Detached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 234 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Sewer | Municipal |
| Account Number | 00841877 |
|---|---|
| Street Address | 8 JAMES ST |
| City | GAITHERSBURG |
| State | MD |
| Zip | 20877-1930 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R90 |
| Legal Description | PT LT 20 OBSERVATORY HGTS |
| Legal Subdivision | OBSERVATORY HEIGHTS |
| Legal Block | 1 |
| Legal Lot Number | 20 |
| Jurisdiction | MONTGOMERY MD |
| Township / Civil Division | 9 |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 700731 |
Source: Montgomery County records, as of August 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 8 JAMES ST, GAITHERSBURG, MD 20877-1930 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Jun 30, 2026 | Deed, Transfer · Conventional Mortgage TOTAL MORTGAGE SERVICES |
| Aug 26, 2021 | Deed of Trust, Mortgage · VA Mortgage TOWNEBANK MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 30, 2026 · Amount on Record |
| Deed Sale | Jun 30, 2026 · Amount on Record |
| Prior Sale | Jul 13, 2015 · Amount on Record |
| Deed Book / Page | 70675 / 238 |
| Transfer Doc | 0000104174 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Recording Date | Jun 30, 2026 |
| Property Address | 8 JAMES ST, GAITHERSBURG, MD 20877-1930 |
| Document Number | 7067000238 |
| Book / Page | 70675 / 238 |
| Instrument Date | Jun 30, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2026 |
| Title Company | COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $479,750.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8 JAMES ST, GAITHERSBURG, MD 20877-1930 |
| Document Number | 7067000244, |
|---|---|
| Date | Jun 30, 2026 |
| Book Page | 70675/244 |
| Name | TOTAL MORTGAGE SERVICES |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY MD |
| Property Address | 8 JAMES ST, GAITHERSBURG, MD 20877-1930 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2021 |
| Title Company | COMMONWEALTH LAND TITLE INSURANCE COMPANY, COMMONWEALTH LAND TTL INS CO |
| Name | Verified Name |
|---|---|
| Address | 8 JAMES ST, GAITHERSBURG, MD 20877-1930 |
| Document Number | 0638730051 |
|---|---|
| Date | Aug 26, 2021 |
| Book Page | 63873/51 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23451 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 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 | $361,800 (+7%) Land $195,100 Building $166,700 | $361,800 (-) Land $195,100 Building $166,700 | |
| 2025 | $4,822.00 (+8.17%) | $338,133 (+16.28%) | $361,800 (+24.42%) Land $195,100 Building $166,700 |
| 2024 | $4,458.00 (+35.38%) | ||
| 2023 | $290,800 Land $195,100 Building $95,700 | $290,800 Land $195,100 Building $95,700 | |
| 2022 | $3,293.00 |
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 | 1 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 | Low lower than 96% of the US · lower than 92% 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.
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 450 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 / 2,000 |
| Astound Broadband Cable | 1,500 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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