1909 Belford Dr, Frederick, MD 21702 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,656 sqft · built 2004
Lot Size	0.193 acres (8,450 sqft)
Owner	Individual Name on Record
Last Sale	$345,000 (Apr 2015)
Tax Bill	$7,641 (2023)
Deeds & Mortgages	May 2017 Line of Credit Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-246546`

Property Details

APN / Parcel Number

Primary APN	`02-246546`
Alternative APN	`246546`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,656 sqft Total Area
1st Floor Area	1,328 sqft
Basement Area	700 sqft
Finished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,450 sqft (0.193 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	180 sqft
Deck Area	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	246546
Street Address	1909 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 205 SECTION 1 PLAT 3-8,450 SQ. FT. CLOVER RIDGE
Legal Subdivision	CLOVER RDG
Legal Lot Number	205
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 September 25, 2023

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
Co-owner	Co-owner on Record
Mailing Address	1909 BELFORD DR, FREDERICK, MD 21702-3294
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2017	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Apr 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage EAGLE BANK
Dec 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage EAGLE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2015 · Amount on Record
Deed Sale	Apr 28, 2015 · Amount on Record
Prior Sale	Jun 23, 2004 · Amount on Record
Deed Document Number	0001050119
Deed Book / Page	10501 / 19
Record Updated	Jun 7, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	1909 BELFORD DR, FREDERICK, MD 21702-3294
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0117940343
Date	May 2, 2017
Book Page	11794/0343
Instrument	11794-0343

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	1909 BELFORD DR, FREDERICK, MD 21702-3294
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	PINNACLE TITLE AND ESCROW IN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0123720180
Date	Apr 19, 2018
Book Page	12372/0180

Lender

Name	EAGLE BANK
Type	Bank
Address	ROCKVILLE, MD 20852

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	1909 BELFORD DR, FREDERICK, MD 21702-3294
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	PINNACLE TITLE & ESCROW INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1909 BELFORD DR, FREDERICK, MD 21702-3294

Mortgage

Document Number	0156020104
Date	Dec 22, 2021
Book Page	15602/104

Lender

Name	EAGLE BANK
Type	Bank
Address	ROCKVILLE, MD 20852

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

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
2023	$7,641.00 Homeowner's exemption	$442,633	$529,900 Land $110,300 Building $419,600

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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