1903 Belford Dr, Frederick, MD 21702 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,898 sqft · built 2004
Lot Size	0.192 acres (8,354 sqft)
Owner	2 Individual Names on Record
Last Sale	$415,000 (Mar 2014)
Tax Bill	$8,865 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-246503`

Property Details

APN / Parcel Number

Primary APN	`02-246503`
Alternative APN	`246503`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,598 sqft Living Area
Gross Area	3,998 sqft
1st Floor Area	1,534 sqft
Basement Area	700 sqft
Finished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	8,354 sqft (0.192 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	32 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	246503
Street Address	1903 BELFORD DR
City	FREDERICK
State	MD
Zip	21702-3294
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LOT 202 SECTION 1 PLAT 3-8,354 SQ. FT. CLOVER RIDGE
Legal Subdivision	CLOVER RDG
Legal Lot Number	202
Jurisdiction	FREDERICK MD
Township / Civil Division	21, TUSCARORA
Census Block Group	2
Census Block	2014
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

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	2 Individual Names on Record
Mailing Address	1903 BELFORD DR, FREDERICK, MD 21702-3294
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Feb 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage CONVENIENCE MARKETING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2014 · Amount on Record
Deed Sale	Mar 13, 2014 · Amount on Record
Prior Sale	Sep 29, 2004 · Amount on Record
Deed Book / Page	9978 / 392
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	1903 BELFORD DR, FREDERICK, MD 21702-3294
Document Number	0139310297
Instrument Date	Jun 12, 2020
Transaction Type	Mortgage
Record Updated	Aug 18, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1903 BELFORD DR FREDERICK MD 217023294, FREDERICK, MD 21702-3294

Mortgage

Document Number	0139310297
Date	Jul 28, 2020
Book Page	013931/000297

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jul 27, 2045

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	1903 BELFORD DR, FREDERICK, MD 21702-3294
Document Number	0123370341
Instrument Date	Feb 16, 2018
Transaction Type	Mortgage
Record Updated	Apr 11, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1903 BELFORD DR FREDERICK MD 217023294, FREDERICK, MD 21702-3294

Mortgage

Document Number	0123370341
Date	Mar 28, 2018
Book Page	012337/000341

Lender

Name	CONVENIENCE MARKETING INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$572,100 (+25.16%)	$620,100 (+13.14%) Land $110,300 Building $509,800
2025	$8,865.00 (+12.5%)
2023	$7,880.00 Homeowner's exemption	$457,100	$548,100 Land $110,300 Building $437,800

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	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

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

Wildfire Risk	Low lower than 97% of the US · lower than 94% 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.

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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