Frederick County property record for 1809 Birch Bay Ct, Frederick, MD 21702
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 4,590 sqft · built 2004 |
| Lot Size | 0.314 acres (13,672 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $557,000 (Feb 2021) |
| Tax Bill | $10,739 (2025) |
| Deeds & Mortgages | Feb 2021 Sale & Mortgage Jun 2016 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-248948 |
| Primary APN | 02-248948 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,590 sqft Living Area |
| Gross Area | 5,094 sqft |
| 1st Floor Area | 1,931 sqft |
| Basement Area | 1,200 sqft |
| Finished Basement | 1,200 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 13,672 sqft (0.314 acres) |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 644 sqft |
| Patio Area | 1,358 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 248948 |
|---|---|
| Street Address | 1809 BIRCH BAY CT |
| City | FREDERICK |
| State | MD |
| Zip | 21702-5924 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PND |
| Legal Description | LOT 133 SECTION 4 PLAT 7-13,672 SQ. FT. WALNUT RIDGE |
| Legal Subdivision | WALNUT RDG SEC 04 |
| Legal Lot Number | 133 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 751202 |
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.
Source: Frederick County records, as of August 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1809 BIRCH BAY CT, FREDERICK, MD 21702-5924 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Feb 17, 2021 | Deed, Transfer · FHA Mortgage SEVERN SAVINGS BANK FSB |
| Jun 30, 2016 | Deed of Trust, Mortgage · Conventional Mortgage PRIME LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 17, 2021 · Amount on Record |
| Deed Sale | Feb 17, 2021 · Amount on Record |
| Prior Sale | Feb 25, 2005 · Amount on Record |
| Deed Book / Page | 14556 / 490 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Feb 17, 2021 |
| Property Address | 1809 BIRCH BAY CT, FREDERICK, MD 21702-5924 |
| Document Number | 0145560490 |
| Book / Page | 14556 / 490 |
| Map Reference | MB 75 PG 166-172 |
| Instrument Date | Dec 3, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,785.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1809 BIRCH BAY CT, FREDERICK, MD 21702-5924 |
| Document Number | 14556497 |
|---|---|
| Date | Feb 17, 2021 |
| Instrument | 14556/497 |
| Name | SEVERN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 1809 BIRCH BAY CT, FREDERICK, MD 21702-5924 |
| Document Number | 0124080158 |
| Instrument Date | Jun 30, 2016 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2018 |
| Title Company | MIDDLETOWN VALLEY TITLE ESCROW LL |
| Name | Verified Name |
|---|---|
| Address | 1809 BIRCH BAY CT FREDERICK MD 217025924, FREDERICK, MD 21702-5924 |
| Document Number | 0124080158 |
|---|---|
| Date | May 11, 2018 |
| Book Page | 012408/000158 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 156 Months |
| Due | May 10, 2031 |
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $673,233 (+27.94%) | $748,500 (+17.76%) Land $159,500 Building $589,000 | |
| 2025 | $10,739.00 (+12.49%) | ||
| 2023 | $9,547.00 | $526,200 | $635,600 Land $122,800 Building $512,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 6, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.5% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF FREDERICK serves 54,000 people · EPA ID MD0100015 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | 1 ppb (2019–2021) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 296 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 / 250 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
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