1404 Elfin Ct, Frederick, MD 21703 Property Records

Frederick County property record for 1404 Elfin Ct, Frederick, MD 21703

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,114 sqft · built 1995
Lot Size	0.162 acres (7,062 sqft)
Owner	Individual Name on Record
Last Sale	$299,000 (Sep 2011)
Tax Bill	$6,878 (2025)
Deeds & Mortgages	Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-176823`

Property Details

APN / Parcel Number

Primary APN	`02-176823`
Alternative APNs	`2176823` `176823`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,114 sqft Living Area
Gross Area	2,534 sqft
1st Floor Area	1,204 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,062 sqft (0.162 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Deck Area	368 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	176823
Street Address	1404 ELFIN CT
City	FREDERICK
State	MD
Zip	21703-2220
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	LOT 172 SEC 2 PLAT 1 7062 SQ FT MONARCH RIDGE
Legal Subdivision	MONARCH RDG
Legal Lot Number	172
Jurisdiction	FREDERICK MD
Township / Civil Division	24, BRADDOCK
Census Block Group	1
Census Block	1004
Census Tract	750506

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1404 ELFIN CT, FREDERICK, MD 21703-2220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2011 · Amount on Record
Deed Sale	Sep 9, 2011 · Amount on Record
Prior Sale	Mar 26, 2009 · Amount on Record
Deed Book / Page	8505 / 112
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	1404 ELFIN CT, FREDERICK, MD 21703-2220
Document Number	0130900120
Instrument Date	Jun 28, 2019
Transaction Type	Mortgage
Record Updated	Jul 30, 2019
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING L

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1404 ELFIN CT FREDERICK MD 217032220, FREDERICK, MD 21703-2220

Mortgage

Document Number	0130900120
Date	Jul 17, 2019
Book Page	013090/000120

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 16, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Municipality	Frederick City
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$448,133 (+6.95%)	$506,400 (+20.86%) Land $142,000 Building $364,400
2025	$6,878.00 (+12.37%) Homeowner's exemption	$419,000 (+18.99%) Land $102,000 Building $317,000	$419,000 (-) Land $102,000 Building $317,000
2023	$6,121.00 Homeowner's exemption	$352,133	$419,000 Land $102,000 Building $317,000

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 478 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20