8509 Cedar St, Silver Spring, MD 20910 Property Records

Montgomery County property record for 8509 Cedar St, Silver Spring, MD 20910

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,382 sqft · built 1934
Lot Size	0.218 acres (9,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$646,900 (Feb 2018)
Tax Bill	$8,804 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-01038851`

Property Details

APN / Parcel Number

Primary APN	`13-01038851`
Alternative APN	`01038851`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,382 sqft Living Area
Gross Area	2,569 sqft
1st Floor Area	1,237 sqft
Basement Area	450 sqft
Finished Basement	450 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Architectural Style	Bi-Level
Exterior Material	Brick
Roof Material	Slate
Lot Area	9,500 sqft (0.218 acres)
Garage Type	Built-in
Garage Area	190 sqft
Porch	Enclosed Porch
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	01038851
Street Address	8509 CEDAR ST
City	SILVER SPRING
State	MD
Zip	20910-4323
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60
Legal Description	SMITHS ADD TO SILVER SPRING
Legal Subdivision	SILVER SPRING
Legal Block	6
Legal Lot Number	8
Jurisdiction	MONTGOMERY MD
Township / Civil Division	13
Census Block Group	4
Census Block	4015
Census Tract	702900

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	8509 CEDAR ST, SILVER SPRING, MD 20910-4323
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2022	Deed of Trust, Mortgage · Line of Credit JUSTICE FEDERAL CREDIT UNION
Oct 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage JUSTICE FEDERAL CREDIT UNION
Feb 16, 2018	Deed, Transfer · Conventional Mortgage JUSTICE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2018 · Amount on Record
Deed Sale	Feb 16, 2018 · Amount on Record
Prior Sale	Sep 9, 2013 · Amount on Record
Deed Book / Page	55665 / 422
Transfer Doc	0279360065
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	8509 CEDAR ST, SILVER SPRING, MD 20910-4323
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	VESTA SETTLEMENTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0655080308
Date	Mar 31, 2022
Book Page	65508/308

Lender

Name	JUSTICE FEDERAL CREDIT UNION
Type	Credit Union
Address	CHANTILLY, VA 20151

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Apr 28, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	8509 CEDAR ST, SILVER SPRING, MD 20910-4323
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	INDEPENDENT T&E LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8509 CEDAR ST, SILVER SPRING, MD 20910-4323

Mortgage

Document Number	0607760344
Date	Oct 15, 2020
Book Page	60776/344

Lender

Name	JUSTICE FEDERAL CREDIT UNION
Type	Credit Union
Address	CHANTILLY, VA 20151

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Sep 1, 2040

February 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Feb 16, 2018
Property Address	8509 CEDAR ST, SILVER SPRING, MD 20910-4323
Document Number	0556650422
Book / Page	55665 / 422
Map Reference	MB4 PL330
Instrument Date	Jan 30, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	TRADITION TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,086.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8509 CEDAR ST, SILVER SPRING, MD 20910-4323

Mortgage

Document Number	0055665431
Date	Feb 16, 2018
Instrument	55665/431

Lender

Name	JUSTICE FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Montgomery County
Unified School District	Montgomery County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$846,967 (+10.55%)	$927,800 (-) Land $358,700 Building $569,100
2025	$8,804.00 (+2.13%)	$766,133 (+14.23%)	$927,800 (+35.39%) Land $358,700 Building $569,100
2024	$8,620.00 (+19.72%)
2023		$670,667	$685,300 Land $358,700 Building $326,600
2022	$7,200.00

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	5 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	Low lower than 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 515 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
AT&T Fixed Wireless	100 / 20

May also be available: Starry.

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