1905 Belford Dr, Frederick, MD 21702 Property Records

Frederick County property record for 1905 Belford Dr, Frederick, MD 21702

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,272 sqft · built 2004
Lot Size	0.194 acres (8,450 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (Apr 2017)
Tax Bill	$7,455 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Apr 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-246511`

Property Details

APN / Parcel Number

Primary APN	`02-246511`
Alternative APN	`246511`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,272 sqft Living Area
Gross Area	2,672 sqft
1st Floor Area	1,276 sqft

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	8,450 sqft (0.194 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	54 sqft
Patio Area	621 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	246511
Street Address	1905 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 203 SECTION 1 PLAT 3-8,450 SQ. FT. CLOVER RIDGE
Legal Subdivision	CLOVER RDG
Legal Lot Number	203
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

1905 Belford Dr is owned and occupied by two individuals who bought it in April 2017.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1905 BELFORD DR, FREDERICK, MD 21702-3294
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Apr 3, 2017	Deed, Transfer · Stand-Alone First Mortgage PROSPERITY HOME MORTGAGE LLC
Apr 3, 2017	Grant Deed, Transfer · Conventional with PMI PROSPERITY HM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2017 · Amount on File
Deed Sale	Apr 3, 2017 · Amount on File
Prior Sale	May 13, 2011 · Amount on File
Deed Document Number	201711744-0395
Deed Book / Page	11744 / 395
Prior Transfer Date	May 14, 2016
Prior Transfer Doc	0111900270
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	1905 BELFORD DR, FREDERICK, MD 21702-3294
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	TITLE RITE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1905 BELFORD DR, FREDERICK, MD 21702-3294

Mortgage

Document Number	0142800055
Date	Nov 18, 2020
Book Page	14280/55

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 3, 2017
Property Address	1905 BELFORD DR, FREDERICK, MD 21702-3294
Document Number	0117440395
Book / Page	11744 / 0395
Map Reference	MB75 PL62
Instrument Date	Mar 27, 2017
Instrument	11744-0395
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	TITLE RITE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1905 BELFORD DR, FREDERICK, MD 21702-3294

Mortgage

Document Number	0117440403
Date	Apr 3, 2017
Instrument	11744-0403

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2047

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 3, 2017
Property Address	1905 BELFORD DR, FREDERICK, MD 21702-3294
Document Number	0117440394
Book / Page	011744 / 000394
Instrument Date	Mar 27, 2017
Transaction Type	Transfer
Record Updated	Jan 24, 2018
Title Company	TITLE-RITE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1950 BELFORD DR FREDERICK MD 21702, FREDERICK, MD 21702

Mortgage

Document Number	117440402
Date	Apr 3, 2017
Book Page	011744/000402

Lender

Name	PROSPERITY HM MTG
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 2, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1905 Belford Dr was $7,455 with a homeowner's exemption, up 4.7% from the year before.

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		$471,367 (+4.15%)	$508,900 (+12.44%) Land $110,300 Building $398,600
2025	$7,455.00 (+4.75%) Homeowner's exemption	$452,600 Land $110,300 Building $342,300	$452,600 Land $110,300 Building $342,300
2024	$7,117.00 (+7.25%)
2023	$6,636.00 Homeowner's exemption	$381,467	$452,600 Land $110,300 Building $342,300

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

Flood

FEMA maps place 1905 Belford Dr 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

Wildfire risk around 1905 Belford Dr is low, with less than 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 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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