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TownhouseResidential
$466,691$354 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $295,000 on Apr 11, 2013

4603 GEMSTONE TER

ROCKVILLE, MD 20852
2.5
Baths
1,320 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1,600 ft²
Lot SizeThe size of the land the home sits on, from county records.
1986
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$467K
$434K low$499K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$295,000 · Apr 11, 2013
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$26,691
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$21,353
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.91%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$260,000
SUNTRUST MORTGAGE INC · 2.49% 2 · recorded Apr 11, 2013
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$180,000
SUNTRUST BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,341 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$398,867 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$383,033
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$414,700

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Townhouse
StyleThe architectural style of the home, such as ranch or colonial.Townhouse
CountyMONTGOMERY
Lot (acres)The size of the land the home sits on, from county records.0.04
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 120 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Viers Mill Elementary SchoolC-
Elementary · Grades PK–5 · 0.6 mi
H
Wheaton High SchoolC+
High · Grades 9–12 · 1.4 mi
M
A. Mario Loiederman Middle SchoolC
Middle · Grades 6–8 · 1.4 mi

District: Montgomery County Public Schools

Neighborhood · ZIP 20852These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.128
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.92
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.36

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.29%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.51,764
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.6,168 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$117,549
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$148,499
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.43 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

4603 Gemstone Ter measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 73% of homes in Montgomery County
  • Costs more per square foot than 69% of homes in Montgomery County
  • Smaller than 78% of homes in Montgomery County
  • Has a smaller lot than 85% of homes in Montgomery County
  • Newer than 67% of homes in Rockville 20852

What homes are worth in Rockville 20852

Each bar is how many homes fall in that price range. The marker is this home.

This home
$177K$1.7M

This home is worth more than 35% of homes in Rockville 20852.

How it measures up in Rockville 20852

The dot is this home. The mark in the middle is the typical home in Rockville 20852.

Estimated value$466,691
CheaperTypical $615,436Pricier

Pricier than 35% of homes nearby

Price per ft²$354
CheaperTypical $358Pricier

Pricier than 47% of homes nearby

Living area1,320 ft²
SmallerTypical 1,560 ft²Bigger

Bigger than 41% of homes nearby

Lot size1,600 ft²
SmallerTypical 2,047 ft²Bigger

Bigger than 38% of homes nearby

Year built1986
OlderTypical 1980Newer

Newer than 67% of homes nearby

How 4603 Gemstone Ter ranks against every home in each area.
MeasureThis homeRockville 20852Montgomery County
Estimated valuepricier than$466,69135% of homes27% of homes
Price per ft²pricier than$35447% of homes69% of homes
Living areabigger than1,320 ft²41% of homes22% of homes
Lot sizebigger than1,600 ft²38% of homes15% of homes
Year builtnewer than198667% of homes66% of homes

About 4603 Gemstone Ter

How much is 4603 Gemstone Ter, Rockville, MD worth?

The TopHap Estimate for 4603 Gemstone Ter, Rockville, MD is $466,691 as of Jul 14, 2026. The likely range is $433,967 to $499,415. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4603 Gemstone Ter, Rockville, MD last sell?

4603 Gemstone Ter, Rockville, MD last sold on Apr 11, 2013 for $295,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 4603 Gemstone Ter, Rockville, MD?

4603 Gemstone Ter, Rockville, MD has 2.5 bathrooms, 1,320 square feet of living space and a 0.04-acre lot.

When was 4603 Gemstone Ter, Rockville, MD built?

4603 Gemstone Ter, Rockville, MD was built in 1986, making it 40 years old. It is a townhouse home. The building has 2 stories.

What schools serve 4603 Gemstone Ter, Rockville, MD?

4603 Gemstone Ter, Rockville, MD is assigned to Viers Mill Elementary School (elementary), rated C-; Wheaton High School (high), rated C+; A. Mario Loiederman Middle School (middle), rated C. All sit in Montgomery County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4603 Gemstone Ter, Rockville, MD compare to other homes in Rockville 20852?

Among the 13,797 homes in Rockville 20852, it is worth more than 35% of them ($466,691 against a typical $615,436), its price per square foot is higher than 47% of them ($354 against a typical $358), it is bigger than 41% of them (1,320 ft² against a typical 1,560 ft²), its lot is bigger than 38% of them (1,600 ft² against a typical 2,047 ft²) and it is newer than 67% of them (1986 against a typical 1980). Measured against all of Montgomery County, it is worth more than 27% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 4603 Gemstone Ter, Rockville, MD?

The 2025 property tax bill for 4603 Gemstone Ter, Rockville, MD was $4,341. The county assessed it at $398,867.

More homes on Gemstone Ter

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Assigned schools

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