3713 Sprigg St N, Frederick, MD 21704 Property Records

Frederick County property record for 3713 Sprigg St N, Frederick, MD 21704

Property Summary

Property Type	Exempt (Full or Partial)
Details	3.5 ba · 5,874 sqft · built 2002
Lot Size	0.193 acres (8,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$740,100 (Mar 2021)
Tax Bill	$1,720 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-227434`

Property Details

APN / Parcel Number

Primary APN	`07-227434`
Alternative APNs	`7227434` `227434`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,874 sqft Gross Area
1st Floor Area	2,254 sqft
Basement Area	1,700 sqft
Finished Basement	1,700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,400 sqft (0.193 acres)
Garage Type	Attached
Garage Area	524 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	28 sqft
Deck Area	308 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	227434
Street Address	3713 SPRIGG STREET NORTH ST
City	FREDERICK
State	MD
Zip	21704
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	PUD
Legal Description	LOT 6070 SECT M6 8,400 SQ. FT. VILLAGES OF URBANA
Legal Subdivision	VILLAGES URBANA
Legal Lot Number	6070
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	4
Census Block	4012
Census Tract	752206

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	3713 SPRIGG ST N, FREDERICK, MD 21704-7851
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Mar 4, 2021	Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Jun 15, 2018	Deed of Trust, Mortgage · FHA Mortgage MLEND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2021 · Amount on Record
Deed Sale	Mar 4, 2021 · Amount on Record
Prior Sale	Aug 7, 2009 · Amount on Record
Deed Book / Page	14623 / 459
Transfer Doc	0000008210
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3713 SPRIGG ST N, FREDERICK, MD 21704-7851
Transaction Type	Mortgage
Record Updated	Oct 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0175500177
Date	Oct 9, 2025
Book Page	17550/177

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Aug 6, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 4, 2021
Property Address	3713 SPRIGG ST N, FREDERICK, MD 21704-7851
Document Number	0146230459
Book / Page	14623 / 459
Map Reference	MB 68 PL 172
Instrument Date	Feb 26, 2021
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	CLEAR TITLE, CLEAR TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,700.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3713 SPRIGG ST N, FREDERICK, MD 21704-7851
Investor	Possibly a Property Investor

Mortgage

Document Number	14623464
Date	Mar 4, 2021
Instrument	14623/464

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3713 SPRIGG ST N, FREDERICK, MD 21704-7851
Document Number	0124840435
Instrument Date	Jun 15, 2018
Transaction Type	Mortgage
Record Updated	Jul 6, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3713 SEWARD LN FREDERICK MD 217047847, FREDERICK, MD 21704-7847

Mortgage

Document Number	0124840435
Date	Jun 25, 2018
Book Page	012484/000435

Lender

Name	MLEND
Address	MIDDLETOWN, MD 21769

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 24, 2048

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$913,367 (+7.04%)	$973,400 (-) Land $277,200 Building $696,200
2025	$1,720.00 (-84.22%) Homeowner's exemption	$853,333 (+15.17%)	$973,400 (+22.7%) Land $277,200 Building $696,200
2024	$10,899.00 (+7.23%)
2023	$10,164.00 Homeowner's exemption	$740,933	$793,300 Land $201,700 Building $591,600

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
Nearby Flood Policies	1 in force

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 98% of the US · lower than 96% 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	NEW DESIGN - FREDERICK COUNTY serves 74,911 people · EPA ID MD0100030
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	3 ppb (2019) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 653 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Sprigg St N

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures