10812 Gambrill Park Rd, Frederick, MD 21702 Property Records

Frederick County property record for 10812 Gambrill Park Rd, Frederick, MD 21702

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,876 sqft · built 1994
Lot Size	10.3 acres (449,539 sqft)
Owner	2 Individual Names on File
Last Sale	$75,000 (Jun 1991)
Tax Bill	$7,193 (2025)
Deeds & Mortgages	Dec 2019 Line of Credit Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-357448`

Property Details

APN / Parcel Number

Primary APN	`16-357448`
Alternative APN	`357448`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,876 sqft Living Area
Gross Area	3,690 sqft
1st Floor Area	1,850 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	449,539 sqft
Garage Type	Attached
Garage Area	814 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	560 sqft
Deck Area	384 sqft
Shed	1 Shed
Shed Area	2,720 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	357448
Street Address	10812 GAMBRILL PARK RD
City	FREDERICK
State	MD
Zip	21702-1618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	LOT 2 10.32 ACRES GAMBRILL PARK ROAD LOST EDEN
Legal Subdivision	HUMM ADD/LINDELL SEC I
Legal Lot Number	2
Jurisdiction	FREDERICK MD
Township / Civil Division	16, JACKSON
Census Block Group	1
Census Block	1001
Census Tract	770700

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

10812 Gambrill Park Rd is owned and occupied by two individuals who bought it in June 1991.

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

Owner of Record	2 Individual Names on File
Mailing Address	10812 GAMBRILL PARK RD, FREDERICK, MD 21702-1618
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

Date	Document
Dec 31, 2019	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Oct 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage BAY CAPITAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 1991 · Amount on File
Deed Sale	Jun 3, 1991 · Amount on File
Prior Sale	Jul 16, 1987 · Amount on File
Deed Book / Page	1711 / 322
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	10812 GAMBRILL PARK RD, FREDERICK, MD 21702-1618
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0134300052
Date	Dec 31, 2019
Book Page	13430/0052

Lender

Name	TRUIST BANK
Type	Bank
Address	BALTIMORE, MD 21202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 30, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	10812 GAMBRILL PARK RD, FREDERICK, MD 21702-1618
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CREEKSIDE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0132450463
Date	Oct 1, 2019
Book Page	13245/0463

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company
Address	ANNAPOLIS, MD 21401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 10812 Gambrill Park Rd was $7,193 with a homeowner's exemption.

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		$695,700 Land $157,200 Building $538,500	$695,700 Land $157,200 Building $538,500
2025	$7,193.00
2023	$6,222.00 Homeowner's exemption	$518,300 Land $137,200 Building $381,100	$518,300 Land $137,200 Building $381,100

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

Flood

FEMA maps place 10812 Gambrill Park Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1996.

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	3 in force
Nearby Flood Claims	3 (1996–2003)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2003 · Hurricane Isabel
Claims by Event	Hurricane Isabel, Sep 2003 · 2 claims

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 10812 Gambrill Park Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 77% of Maryland
Wildfire Likelihood	0.04% 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 20 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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