10522 Bethel Rd, Frederick, MD 21702 Property Records

Frederick County property record for 10522 Bethel Rd, Frederick, MD 21702

Property Summary

Property Type	Single Family Home
Details	7.5 ba · 6,579 sqft · built 2023
Lot Size	3.18 acres (138,956 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Nov 2008)
Tax Bill	$13,905 (2025)
Deeds & Mortgages	Sep 2020 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`20-404264`

Property Details

APN / Parcel Number

Primary APN	`20-404264`
Alternative APN	`404264`

Interior

Full Baths	7.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	6,579 sqft Living Area
Gross Area	8,716 sqft
1st Floor Area	2,820 sqft
Basement Area	2,100 sqft
Finished Basement	2,100 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	138,956 sqft
Garage Type	Attached
Garage Area	2,137 sqft
Parking Spaces	7 Parking Spaces
Porch	Open Porch
Porch Area	114 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	404264
Street Address	10522 BETHEL RD
City	FREDERICK
State	MD
Zip	21702-1744
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 1 SECTION 1 3.19 ACRES ROAD HORNE DIVISION
Legal Subdivision	HORNE DIV SEC 01
Legal Lot Number	1
Jurisdiction	FREDERICK MD
Township / Civil Division	20, LEWISTOWN
Census Block Group	1
Census Block	1023
Census Tract	751302

Owner

10522 Bethel Rd is owned and occupied by two individuals who acquired it in September 2020.

Source: Frederick County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10522 BETHEL RD, FREDERICK, MD 21702-1744
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2008 · Amount on File
Deed Sale	Nov 12, 2008 · Amount on File
Prior Sale	Mar 11, 2005 · Amount on File
Deed Document Number	200884900
Deed Book / Page	7114 / 565
Last Transfer Date	Sep 9, 2020
Transfer Doc	0141100458
Record Updated	Oct 29, 2026

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Sep 28, 2020
Property Address	10522 BETHEL RD, FREDERICK, MD 21702-1744
Document Number	0141100458
Book / Page	14110 / 458
Map Reference	MB 86 PL 158
Instrument Date	Sep 9, 2020
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10522 BETHEL RD, FREDERICK, MD 21702-1744

Mortgage

Document Number	14110463
Date	Sep 28, 2020
Instrument	14110/463

Lender

Name	WOODSBORO BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 10522 Bethel Rd was $13,905, up 21.5% from the year before.

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		$1,182,933 (+5.07%)	$1,297,200 (+15.22%) Land $206,700 Building $1,090,500
2025	$13,905.00 (+21.55%)	$1,125,800 Land $132,400 Building $993,400	$1,125,800 Land $132,400 Building $993,400
2024	$11,440.00 (+8.84%)
2023	$10,511.00 Homeowner's exemption	$934,133	$1,125,800 Land $132,400 Building $993,400

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

Flood

FEMA maps place 10522 Bethel Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2003.

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 Policies	9 in force
Nearby Flood Claims	4 (2003–2012)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2012 · Hurricane Sandy

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 10522 Bethel 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 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20