Frederick County property record for 20 Gum Spring Rd, Brunswick, MD 21716
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 980 sqft · built 1967 |
| Lot Size | 0.674 acres (29,363 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $239,900 (Jul 2008) |
| Tax Bill | $4,326 (2025) |
| Deeds & Mortgages | Oct 2023 Line of Credit Jul 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-465156 |
| Primary APN | 25-465156 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 980 sqft Living Area |
| 1st Floor Area | 980 sqft |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Conventional |
| Exterior Material | Stucco |
| Roof Material | Composition Shingle |
| Lot Area | 29,363 sqft (0.674 acres) |
| Garage Type | Detached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 224 sqft |
| Patio Area | 45 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 465156 |
|---|---|
| Street Address | 20 GUM SPRING RD |
| City | BRUNSWICK |
| State | MD |
| Zip | 21716 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OS |
| Legal Description | LT 11-14 BLK 26 29,363 SQ. FT. BRUNSWICK |
| Legal Subdivision | BRUNSWICK |
| Legal Block | 26 |
| Legal Lot Number | 11-14 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 25, BRUNSWICK |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 775400 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Brunswick Historic District (Additional Documentation) listed 1979 · 573 contributing resources · NRIS 79001128 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 | 20 GUM SPRING RD, BRUNSWICK, MD 21716 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Oct 12, 2023 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jul 27, 2021 | Deed of Trust, Mortgage · Commercial Mortgage BRANCH BANKING AND TRUST CO |
| Feb 24, 2017 | Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV |
| Feb 3, 2017 | Loan Modification, Mortgage · Conventional with PMI BRANCH BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 23, 2008 · Amount on Record |
| Deed Sale | Jul 23, 2008 · Amount on Record |
| Prior Sale | Sep 15, 2006 · Amount on Record |
| Deed Document Number | 200883259 |
| Deed Book / Page | 7040 / 74 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 20 GUM SPRING RD, BRUNSWICK, MD 21716 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2023 |
| Name | Verified Name |
|---|---|
| Address | 707 PARK AVE, BRUNSWICK, MD 21716-1721 |
| Document Number | 0166330355 |
|---|---|
| Date | Oct 12, 2023 |
| Book Page | 16633/355 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | BRUNSWICK, MD 21716 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Oct 7, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 20 GUM SPRING RD, BRUNSWICK, MD 21716 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 20 GUM SPRING RD, BRUNSWICK, MD 21716 |
| Document Number | 0151300008 |
|---|---|
| Date | Jul 27, 2021 |
| Book Page | 15130/8 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Address | GREENVILLE, SC 29607 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 309 Months |
| Due | Apr 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 20 GUM SPRING RD, BRUNSWICK, MD 21716 |
| Document Number | 0117170494 |
| Instrument Date | Feb 24, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2017 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 20 GUM SPRING RD BRUNSWICK MD 21716, BRUNSWICK, MD 21716 |
| Document Number | 0117170494 |
|---|---|
| Date | Mar 17, 2017 |
| Book Page | 011717/000494 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 16, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 20 GUM SPRING RD, BRUNSWICK, MD 21716 |
| Document Number | 0117170484 |
| Instrument Date | Feb 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 20 GUM SPRING RD BRUNSWICK MD 21716, BRUNSWICK, MD 21716 |
| Document Number | 0117170484 |
|---|---|
| Date | Mar 17, 2017 |
| Book Page | 011717/000484 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | GREENVILLE, SC 29601 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 16, 2047 |
| Rate Type | Fixed Rate |
|---|
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Brunswick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $276,667 (+21.42%) | $296,700 (+25.4%) Land $104,700 Building $192,000 | |
| 2025 | $4,326.00 (+17.17%) | ||
| 2023 | $3,692.00 | $227,867 | $236,600 Land $87,600 Building $149,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 6, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF BRUNSWICK serves 7,312 people · EPA ID MD0100005 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 201 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 |
| Starlink Satellite | 280 / 30 |
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