45 Concord Dr, Brunswick, MD 21716 Property Records

Frederick County property record for 45 Concord Dr, Brunswick, MD 21716

Property Summary

Property Type	Exempt (Full or Partial)
Details	2.5 ba · 2,432 sqft · built 1976
Lot Size	0.214 acres (9,323 sqft)
Owner	2 Individual Names on Record
Last Sale	$351,000 (Sep 2026)
Tax Bill	$4,730 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Apr 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-474090`

Property Details

APN / Parcel Number

Primary APN	`25-474090`
Alternative APN	`474090`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,432 sqft Gross Area
1st Floor Area	1,120 sqft
Basement Area	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Conventional
Exterior Material	Frame
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,323 sqft (0.214 acres)
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Municipal

Location & Zoning

Account Number	474090
Street Address	45 CONCORD DR
City	BRUNSWICK
State	MD
Zip	21716-1444
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	R1
Legal Description	LT 38 SEC 11 BL A 9323.1 SQ. FT. 45 CONCORD DRIVE
Legal Subdivision	BRUNSWICK
Legal Block	A
Legal Lot Number	38
Jurisdiction	FREDERICK MD
Township / Civil Division	25, BRUNSWICK
Census Block Group	4
Census Block	4003
Census Tract	775400

Owner

Source: Frederick County records, as of October 13, 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 Record
Mailing Address	45 CONCORD DR, BRUNSWICK, MD 21716-1444
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Personal Representative Deed, Transfer · FHA Mortgage HOME MORTGAGE INC
Apr 26, 2024	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Mar 27, 2023	Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2026 · Amount on Record
Deed Sale	Sep 30, 2026 · Amount on Record
Prior Sale	Mar 27, 2023 · Amount on Record
Deed Book / Page	18067 / 284
Prior Transfer Date	Jun 29, 2005
Prior Transfer Doc	0059700159
Record Updated	Oct 29, 2026

September 2026: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 30, 2026
Property Address	45 CONCORD DR, BRUNSWICK, MD 21716-1444
Document Number	1806000284
Book / Page	18067 / 284
Instrument Date	Sep 24, 2026
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	CARDINAL TITLE GROUP LLC, CARDINAL TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$354,510.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	45 CONCORD DR, BRUNSWICK, MD 21716-1444

Mortgage

Document Number	1806000295,
Date	Sep 30, 2026
Book Page	18067/295

Lender

Name	HOME MORTGAGE INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	45 CONCORD DR, BRUNSWICK, MD 21716-1444
Transaction Type	Mortgage
Record Updated	May 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 CONCORD DR, BRUNSWICK, MD 21716-1444

Mortgage

Document Number	0168410224
Date	Apr 26, 2024
Book Page	16841/224

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	May 1, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 27, 2023
Property Address	45 CONCORD DR, BRUNSWICK, MD 21716-1444
Document Number	0163750281
Book / Page	16375 / 281
Map Reference	MB 12 PL 86
Instrument Date	Mar 24, 2023
Transaction Type	Transfer
Record Updated	Apr 25, 2023
Title Company	EXCALIBUR TITLE AGENCY LLC, EXCALIBUR T&E LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 CONCORD DR, BRUNSWICK, MD 21716-1444

Mortgage

Document Number	0016375287
Date	Mar 27, 2023
Instrument	16375/287

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$335,133 (+9.1%)	$363,100 (-) Land $102,100 Building $261,000
2025	$4,730.00 (+7.62%) Homeowner's exemption	$307,167 (+21.15%)	$363,100 (+30.05%) Land $102,100 Building $261,000
2024	$4,395.00 (+7.25%)
2023	$4,098.00	$253,533	$279,200 Land $86,300 Building $192,900

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	3 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2018 · rainfall accumulation

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 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

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 198 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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