10820 Gambrill Park Rd, Frederick, MD 21702 Property Records

Frederick County property record for 10820 Gambrill Park Rd, Frederick, MD 21702

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,444 sqft · built 1984
Lot Size	5.3 acres (230,868 sqft)
Owner	2 Individual Names on File
Last Sale	$569,000 (Aug 2026)
Tax Bill	$4,755 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Mar 2022 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-357464`

Property Details

APN / Parcel Number

Primary APN	`16-357464`
Alternative APN	`357464`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,444 sqft Living Area
Gross Area	3,020 sqft
1st Floor Area	1,344 sqft
Basement Area	1,100 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	230,868 sqft (5.3 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	112 sqft
Stable	600 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	357464
Street Address	10820 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	LT 4 - 5.30 ACRES GAMBRILL PARD ROAD LOST EDEN
Legal Subdivision	LOST EDEN
Legal Lot Number	4
Jurisdiction	FREDERICK MD
Township / Civil Division	16, JACKSON
Census Block Group	1
Census Block	1001
Census Tract	770700

Owner

10820 Gambrill Park Rd is owned and occupied by two individuals who bought it in August 2026.

Source: Frederick County records, as of September 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10820 GAMBRILL PARK RD, FREDERICK, MD 21702-1618
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Aug 31, 2026	Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE
Mar 2, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Jul 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2026 · Amount on File
Deed Sale	Aug 31, 2026 · Amount on File
Prior Sale	Jun 16, 2015 · Amount on File
Deed Book / Page	18028 / 271
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 31, 2026
Property Address	10820 GAMBRILL PARK RD, FREDERICK, MD 21702-1618
Document Number	1802000271
Book / Page	18028 / 271
Instrument Date	Aug 27, 2026
Transaction Type	Transfer
Record Updated	Sep 11, 2026
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$574,690.00
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	10820 GAMBRILL PARK RD, FREDERICK, MD 21702-1618

Mortgage

Document Number	1802000279,
Date	Aug 31, 2026
Book Page	18028/279

Lender

Name	TOWNEBANK MORTGAGE

Agreement

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

Interest

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

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	10820 GAMBRILL PARK RD, FREDERICK, MD 21702-1618
Transaction Type	Mortgage
Record Updated	Mar 15, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0157610349
Date	Mar 2, 2022
Book Page	15761/349

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	PHILADELPHIA, PA 19104

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 1, 2042

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	10820 GAMBRILL PARK RD, FREDERICK, MD 21702-1618
Transaction Type	Mortgage
Record Updated	Jul 28, 2021
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0150590123
Date	Jul 6, 2021
Book Page	15059/123

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 10820 Gambrill Park Rd was $4,755 with a homeowner's exemption, up 6% 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		$430,400 (+7.54%) Land $137,200 Building $293,200	$430,400 (-) Land $137,200 Building $293,200
2025	$4,755.00 (+6.04%) Homeowner's exemption	$400,233	$430,400 Land $137,200 Building $293,200
2024	$4,484.00 (+8.55%)
2023	$4,131.00 Homeowner's exemption	$339,900 Land $117,200 Building $222,700	$339,900 Land $117,200 Building $222,700

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

Flood

FEMA maps place 10820 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 10820 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 76% 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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