Frederick County property record for 4509 Elmer Derr Rd, Frederick, MD 21703
| Property Type | Rural Home |
|---|---|
| Details | 3 ba · 2,408 sqft · built 1987 |
| Lot Size | 6.69 acres (291,852 sqft) |
| Owner | Individual on Record |
| Last Sale | $585,000 (Aug 2023) |
| Tax Bill | $4,659 (2023) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage Jun 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-318062 |
| Primary APN | 14-318062 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,408 sqft Total Area |
| 1st Floor Area | 1,176 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 291,852 sqft (6.69 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 192 sqft |
| Deck Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 318062 |
|---|---|
| Street Address | 4509 ELMER DERR RD |
| City | FREDERICK |
| State | MD |
| Zip | 21703-7407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | LOT 2 SEC 1 PL 1 6.708 ACRES ARBORETA ELMER DERR RD. |
| Legal Subdivision | ARBORETA |
| Legal Lot Number | 2 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 14, JEFFERSON |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 752502 |
Source: Frederick County assessment roll, as of July 1, 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 4509 ELMER DERR RD, FREDERICK, MD 21703-7407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 10, 2023 | Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU OF MARYLAND INC |
| Jun 7, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 10, 2023 · Amount on Record |
| Deed Sale | Aug 10, 2023 · Amount on Record |
| Prior Sale | Sep 30, 1993 · Amount on Record |
| Deed Document Number | 0001655544 |
| Deed Book / Page | 16555 / 44 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Aug 10, 2023 |
| Property Address | 4509 ELMER DERR RD, FREDERICK, MD 21703-7407 |
| Document Number | 0165550044 |
| Book / Page | 16555 / 44 |
| Map Reference | MB 28 PL 109 |
| Instrument Date | Jul 19, 2023 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2023 |
| Title Company | SECU TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,925.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4509 ELMER DERR RD, FREDERICK, MD 21703-7407 |
| Document Number | 0001655550 |
|---|---|
| Date | Aug 10, 2023 |
| Instrument | 16555/50 |
| Name | STATE EMPLOYEES CU OF MARYLAND INC |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Type Change Date | Aug 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 11.5% |
| Index | 1-Year T-Bill |
| Max Rate | 11.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4509 ELMER DERR RD, FREDERICK, MD 21703-7407 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2023 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 4509 ELMER DERR RD, FREDERICK, MD 21703-7407 |
| Document Number | 0164710001 |
|---|---|
| Date | Jun 7, 2023 |
| Book Page | 16471/1 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 355 Months |
| Due | Jan 17, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Frederick County assessment roll, as of July 1, 2023
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $4,659.00 (+5.31%) Homeowner's exemption | $426,933 (+10.47%) | $467,400 (-) Land $115,000 Building $352,400 |
| 2022 | $4,424.00 Homeowner's exemption | $386,467 | $467,400 Land $115,000 Building $352,400 |
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 17 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 |
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