1903 Belford Ct, Frederick, MD 21702 Property Records

Frederick County property record for 1903 Belford Ct, Frederick, MD 21702

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 4,600 sqft · built 2003
Lot Size	0.422 acres (18,361 sqft)
Owner	2 Individual Names on File
Last Sale	$519,900 (Jun 2019)
Tax Bill	$12,232 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-245094`

Property Details

APN / Parcel Number

Primary APN	`02-245094`
Alternative APN	`245094`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,600 sqft Living Area
Gross Area	5,084 sqft
1st Floor Area	1,910 sqft
Basement Area	1,250 sqft
Finished Basement	1,250 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	18,361 sqft (0.422 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	32 sqft
Deck Area	100 sqft
Patio Area	418 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	245094
Street Address	1903 BELFORD CT
City	FREDERICK
State	MD
Zip	21702-3047
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LOT 702 SECTION 1 PLAT 1-18,361 SQ. FT. CLOVER RIDGE
Legal Subdivision	CLOVER RDG SUB SEC 1 1
Legal Lot Number	702
Jurisdiction	FREDERICK MD
Township / Civil Division	21, TUSCARORA
Census Block Group	2
Census Block	2002
Census Tract	751201

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

1903 Belford Ct is owned and occupied by two individuals who bought it in June 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1903 BELFORD CT, FREDERICK, MD 21702-3047
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
Jan 20, 2022	Deed of Trust, Mortgage · VA Mortgage FIRST GUARANTY MORTGAGE CORP
Jun 27, 2019	Deed, Transfer · VA Mortgage GEORGE MASON MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2019 · Amount on File
Deed Sale	Jun 27, 2019 · Amount on File
Prior Sale	Jun 26, 2013 · Amount on File
Deed Book / Page	13054 / 305
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	1903 BELFORD CT, FREDERICK, MD 21702-3047
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1903 BELFORD CT, FREDERICK, MD 21702-3047

Mortgage

Document Number	0156710282
Date	Jan 20, 2022
Book Page	15671/282

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2051

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 27, 2019
Property Address	1903 BELFORD CT, FREDERICK, MD 21702-3047
Document Number	0130540305
Book / Page	13054 / 0305
Map Reference	MB 75 PG 8
Instrument Date	Jun 7, 2019
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	BRENNAN TTL CO NATL ACCOUNTS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,299.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1903 BELFORD CT, FREDERICK, MD 21702-3047

Mortgage

Document Number	130540314
Date	Jun 27, 2019
Instrument	13054/0314

Lender

Name	GEORGE MASON MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1903 Belford Ct was $12,232.

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		$701,300	$773,300 Land $111,300 Building $662,000
2025	$12,232.00
2023	$9,975.00	$550,033	$665,300 Land $111,300 Building $554,000

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

Flood

FEMA maps place 1903 Belford Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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	4 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2018 · other causes

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

No wildfire likelihood is modeled around 1903 Belford Ct, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no wildfire likelihood modeled here

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 412 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

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