965 Main St, Gaithersburg, MD 20878 Property Records

Montgomery County property record for 965 Main St, Gaithersburg, MD 20878

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,618 sqft · built 2002
Lot Size	0.046 acres (2,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$680,000 (Oct 2021)
Tax Bill	$8,753 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-03321092`

Property Details

APN / Parcel Number

Primary APN	`09-03321092`
Alternative APNs	`903321092` `03321092`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,618 sqft Living Area
1st Floor Area	952 sqft
Basement Area	714 sqft
Finished Basement	714 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,000 sqft (0.046 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	240 sqft
Balcony Area	182 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	03321092
Street Address	965 MAIN ST
City	GAITHERSBURG
State	MD
Zip	20878-5547
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	MXD
Legal Description	LAKELANDS PH 2 SEC 1
Legal Subdivision	LAKELANDS
Legal Phase	2
Legal Block	P
Legal Lot Number	65
Jurisdiction	MONTGOMERY MD
Township / Civil Division	9
Census Block Group	4
Census Block	4023
Census Tract	700826

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	12410 ANSIN CIRCLE DR, POTOMAC, MD 20854-2904
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2021	Deed, Transfer · Conventional Mortgage EAGLE BANK
Jun 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST SAVINGS MORTGAGE CORP
Feb 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2021 · Amount on Record
Deed Sale	Oct 6, 2021 · Amount on Record
Prior Sale	May 12, 2014 · Amount on Record
Deed Book / Page	64211 / 40
Record Updated	Sep 20, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MD
Recording Date	Oct 6, 2021
Property Address	965 MAIN ST, GAITHERSBURG, MD 20878-5547
Document Number	0642110040
Book / Page	64211 / 40
Map Reference	PL 21701
Instrument Date	Sep 14, 2021
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	FIRST TITLE COMPANY, FIRST TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,200.00
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 by the Entirety
Address	12410 ANSIN CIRCLE DR, POTOMAC, MD 20854-2904

Mortgage

Document Number	6421145
Date	Oct 6, 2021
Instrument	64211/45

Lender

Name	EAGLE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	965 MAIN ST, GAITHERSBURG, MD 20878-5547
Transaction Type	Mortgage
Record Updated	Mar 4, 2021
Title Company	ALLIED TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0597480316
Date	Jun 4, 2020
Book Page	59748/316

Lender

Name	FIRST SAVINGS MORTGAGE CORP
Type	Mortgage Company
Address	MC LEAN, VA 22102

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	965 MAIN ST, GAITHERSBURG, MD 20878-5547
Document Number	0573070255
Instrument Date	Feb 26, 2019
Transaction Type	Mortgage
Record Updated	Mar 27, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	965 MAIN ST GAITHERSBURG MD 208785547, GAITHERSBURG, MD 20878-5547

Mortgage

Document Number	0573070255
Date	Mar 13, 2019
Book Page	057307/000255

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 12, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.25%

Tax Assessment & Valuation

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		$669,400 (+3.35%) Land $300,000 Building $369,400	$669,400 (-) Land $300,000 Building $369,400
2025	$8,753.00 (+22.88%)	$647,733 (+7.17%)	$669,400 (+10.75%) Land $300,000 Building $369,400
2023		$604,400 Land $300,000 Building $304,400	$604,400 Land $300,000 Building $304,400
2022	$7,123.00

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	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.

Wildfire

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 864 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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