10195 Gambrill Park Rd, Frederick, MD 21702 Property Records

Frederick County property record for 10195 Gambrill Park Rd, Frederick, MD 21702

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,395 sqft · built 1995
Lot Size	6.45 acres (280,962 sqft)
Owner	2 Individual Names on Record
Last Sale	$825,000 (Aug 2026)
Tax Bill	$7,044 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jun 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`21-432261`

Property Details

APN / Parcel Number

Primary APN	`21-432261`
Alternative APN	`432261`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,395 sqft Living Area
Gross Area	2,924 sqft
1st Floor Area	2,395 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	280,962 sqft
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	9 Parking Spaces
Porch	Open Porch
Porch Area	232 sqft
Deck Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	432261
Street Address	10195 GAMBRILL PARK RD
City	FREDERICK
State	MD
Zip	21702-1601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	LT 1 SEC 1 6.453 ACRES SMITH LOTS
Legal Subdivision	SMITH LTS
Legal Lot Number	1
Jurisdiction	FREDERICK MD
Township / Civil Division	21, TUSCARORA
Census Block Group	1
Census Block	1005
Census Tract	751301

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Old National Pike Milestones listed 1975 · 69 contributing resources · NRIS 75002107

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Frederick County records, as of September 1, 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	10195 GAMBRILL PARK RD, FREDERICK, MD 21702-1601
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2026	Deed, Transfer · Conventional Mortgage FIRST FEDERAL BANK
Jun 16, 2022	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Nov 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK
Mar 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage MANUFACTURERS & TRADERS TRUST CO
Feb 10, 2017	Deed, Transfer · FHA Mortgage E MORTGAGE MANAGEMENT LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2026 · Amount on Record
Deed Sale	Aug 21, 2026 · Amount on Record
Prior Sale	Feb 10, 2017 · Amount on Record
Deed Book / Page	18015 / 343
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 21, 2026
Property Address	10195 GAMBRILL PARK RD, FREDERICK, MD 21702-1601
Document Number	1801000343
Book / Page	18015 / 343
Instrument Date	Aug 7, 2026
Transaction Type	Transfer
Record Updated	Sep 1, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$833,250.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10195 GAMBRILL PARK RD, FREDERICK, MD 21702-1601

Mortgage

Document Number	1801000351,
Date	Aug 21, 2026
Book Page	18015/351

Lender

Name	FIRST FEDERAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	10195 GAMBRILL PARK RD, FREDERICK, MD 21702-1601
Transaction Type	Mortgage
Record Updated	Jun 30, 2022
Title Company	RGS TITLE LLC MATS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0159860035
Date	Jun 16, 2022
Book Page	15986/35

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	10195 GAMBRILL PARK RD, FREDERICK, MD 21702-1601
Transaction Type	Mortgage
Record Updated	Nov 15, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10195 GAMBRILL PARK RD, FREDERICK, MD 21702-1601

Mortgage

Document Number	0154510484
Date	Nov 1, 2021
Book Page	15451/484

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	10195 GAMBRILL PARK RD, FREDERICK, MD 21702-1601
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0135990083
Date	Mar 19, 2020
Book Page	13599/83

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

February 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Feb 10, 2017
Property Address	10195 GAMBRILL PARK RD, FREDERICK, MD 21702-1601
Document Number	0116640122
Book / Page	11664 / 0122
Map Reference	MB39 PG136
Instrument Date	Jan 27, 2017
Instrument	11664-0122
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	10195 GAMBRILL PARK RD, FREDERICK, MD 21702-1601

Mortgage

Document Number	0116640129
Date	Feb 10, 2017
Book Page	11664/0129
Instrument	11664-0129

Lender

Name	E MORTGAGE MANAGEMENT LLC
Type	Mortgage Company
Address	CHERRY HILL, NJ 08002

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

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
2026		$646,200 (+7.64%) Land $182,200 Building $464,000	$646,200 (-) Land $182,200 Building $464,000
2025	$7,044.00 (+6.13%) Homeowner's exemption	$600,333 (+18.04%)	$646,200 (+27.05%) Land $182,200 Building $464,000
2024	$6,637.00 (+8.66%)
2023	$6,108.00 Homeowner's exemption	$508,600 Land $122,200 Building $386,400	$508,600 Land $122,200 Building $386,400

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 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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	3 (1981–2018)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Nov 2018 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 71% of Maryland
Wildfire Likelihood	0.02% 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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