10026 Pine Tree Rd, Woodsboro, MD 21798 Property Records

Frederick County property record for 10026 Pine Tree Rd, Woodsboro, MD 21798

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,040 sqft · built 1999
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Aug 2025)
Tax Bill	$5,289 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-223548`

Property Details

APN / Parcel Number

Primary APN	`08-223548`
Alternative APNs	`8223548` `223548`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,040 sqft Living Area
Gross Area	2,440 sqft
1st Floor Area	1,020 sqft
Basement Area	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	44,867 sqft (1.03 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	3 Parking Spaces
Pool Area	648 sqft
Porch	Slab
Porch Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	223548
Street Address	10026 PINE TREE RD
City	WOODSBORO
State	MD
Zip	21798-7918
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LOT 1 SECTION 1 1.0323 ACRES WOODY HEIGHTS
Legal Subdivision	WOODY HEIGHTS
Legal Lot Number	1
Jurisdiction	FREDERICK MD
Township / Civil Division	8, LIBERTY
Census Block Group	3
Census Block	3017
Census Tract	767600

Owner

10026 Pine Tree Rd is owned and occupied by two individuals who bought it in August 2025.

Source: Frederick County records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10026 PINE TREE RD, WOODSBORO, MD 21798-7918
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 11, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Aug 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2025 · Amount on File
Deed Sale	Aug 28, 2025 · Amount on File
Prior Sale	Apr 28, 1999 · Amount on File
Deed Book / Page	17491 / 163
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	10026 PINE TREE RD, WOODSBORO, MD 21798-7918
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10026 PINE TREE RD, WOODSBORO, MD 21798-7918

Mortgage

Document Number	0160270145
Date	Jul 11, 2022
Book Page	16027/145

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	478 Months
Due	May 18, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	10026 PINE TREE RD, WOODSBORO, MD 21798-7918
Document Number	0128180434
Instrument Date	Aug 24, 2018
Transaction Type	Mortgage
Record Updated	Feb 8, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10026 PINE TREE RD WOODSBORO MD 217987918, WOODSBORO, MD 21798-7918

Mortgage

Document Number	0128180434
Date	Jan 30, 2019
Book Page	012818/000434

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 29, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 10026 Pine Tree Rd was $5,289.

Source: Frederick County assessment roll, as of August 4, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,289.00	$431,700 Land $150,300 Building $281,400	$431,700 Land $150,300 Building $281,400
2023	$4,614.00 Homeowner's exemption	$385,567	$431,700 Land $150,300 Building $281,400

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

Flood

FEMA maps place 10026 Pine Tree Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

Source: FEMA National Flood Hazard Layer, effective November 6, 2024 · 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 Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2021 · 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 10026 Pine Tree Rd is low, with 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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