11997 Cregger Rd, Keymar, MD 21757 Property Records

Frederick County property record for 11997 Cregger Rd, Keymar, MD 21757

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,798 sqft · built 1991
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$665,000 (May 2026)
Tax Bill	$5,021 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-287735`

Property Details

APN / Parcel Number

Primary APN	`11-287735`
Alternative APN	`287735`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,798 sqft Living Area
Gross Area	2,470 sqft
1st Floor Area	1,298 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	287735
Street Address	11997 CREGGER RD
City	KEYMAR
State	MD
Zip	21757-8101
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LOT 4 SECTION 1 2.00 ACRES TICHES-MULDOWNRY SUB.
Legal Subdivision	MULDOWNRY SUB
Legal Lot Number	4
Jurisdiction	FREDERICK MD
Township / Civil Division	11, WOODSBORO
Census Block Group	1
Census Block	1019
Census Tract	751600

Owner

11997 Cregger Rd is owned and occupied by two individuals who bought it in May 2026.

Source: Frederick County records, as of June 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11997 CREGGER RD, KEYMAR, MD 21757-8101
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
Jun 28, 2021	Deed of Trust, Mortgage · Line of Credit WOODSBORO BANK
May 28, 2026	Deed, Transfer · VA Mortgage FIRST HOME MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2026 · Amount on File
Deed Sale	May 28, 2026 · Amount on File
Prior Sale	Jul 31, 1998 · Amount on File
Deed Book / Page	17882 / 490
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	11997 CREGGER RD, KEYMAR, MD 21757-8101
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11997 CREGGER RD, KEYMAR, MD 21757-8101

Mortgage

Document Number	0150330124
Date	Jun 28, 2021
Book Page	15033/124

Lender

Name	WOODSBORO BANK
Type	Bank
Address	WOODSBORO, MD 21798

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 28, 2026
Property Address	11997 CREGGER RD, KEYMAR, MD 21757-8101
Document Number	1788000490
Book / Page	17882 / 490
Instrument Date	May 20, 2026
Transaction Type	Transfer
Record Updated	Jun 5, 2026
Title Company	LAWYERS SIGNATURE SETTLEMENTS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$671,650.00
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	11997 CREGGER RD, KEYMAR, MD 21757-8101

Mortgage

Document Number	1788000497,
Date	May 28, 2026
Book Page	17882/497

Lender

Name	FIRST HOME MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 11997 Cregger Rd was $5,021 with a homeowner's exemption, up 6% from the year before.

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	$5,021.00 (+5.95%) Homeowner's exemption	$425,700 Land $122,000 Building $303,700	$425,700 Land $122,000 Building $303,700
2024	$4,739.00 (+8.42%)
2023	$4,371.00 Homeowner's exemption	$370,033	$425,700 Land $122,000 Building $303,700

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

Flood

FEMA maps place 11997 Cregger Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 6, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 11997 Cregger 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 19 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

Nearby Properties on Cregger Rd

Nearby Streets

All Keymar, MD Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures