1909 Belford Ct, Frederick, MD 21702 Property Records

Frederick County property record for 1909 Belford Ct, Frederick, MD 21702

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,508 sqft · built 2003
Lot Size	0.272 acres (11,862 sqft)
Owner	Individual Name on Record
Last Sale	$303,640 (Aug 2014)
Tax Bill	$7,859 (2025)
Deeds & Mortgages	Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-245124`

Property Details

APN / Parcel Number

Primary APN	`02-245124`
Alternative APN	`245124`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,508 sqft Living Area
Gross Area	2,970 sqft
1st Floor Area	1,418 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,862 sqft (0.272 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	28 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	245124
Street Address	1909 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 705 SECTION 1 PLAT 1-11,862 SQ. FT. CLOVER RIDGE
Legal Subdivision	CLOVER RDG SEC 01 01
Legal Lot Number	705
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

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	1909 BELFORD CT, FREDERICK, MD 21702-3047
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2014 · Amount on Record
Deed Sale	Aug 29, 2014 · Amount on Record
Prior Sale	Feb 12, 2004 · Amount on Record
Deed Book / Page	10187 / 479
Prior Transfer Date	Apr 8, 2013
Prior Transfer Doc	0096890122
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	1909 BELFORD CT, FREDERICK, MD 21702-3047
Document Number	0123070341
Instrument Date	Feb 23, 2018
Transaction Type	Mortgage
Record Updated	Mar 20, 2018
Title Company	EXCALIBUR TITLE AND ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1909 BELFORD CT FREDERICK MD 217023047, FREDERICK, MD 21702-3047

Mortgage

Document Number	0123070341
Date	Mar 7, 2018
Book Page	012307/000341

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 6, 2048

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		$500,000 (+4.21%)	$540,400 (+12.63%) Land $110,600 Building $429,800
2025	$7,859.00 (+4.77%) Homeowner's exemption	$479,800 (+19.04%) Land $110,600 Building $369,200	$479,800 (-) Land $110,600 Building $369,200
2024	$7,501.00 (+7.28%)
2023	$6,992.00 Homeowner's exemption	$403,067	$479,800 Land $110,600 Building $369,200

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 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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Glo Fiber.

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