4534 Elmer Derr Rd, Frederick, MD 21703 Property Records

Frederick County property record for 4534 Elmer Derr Rd, Frederick, MD 21703 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,564 sqft · built 1977
Lot Size	1.31 acres (57,499 sqft)
Owner	2 Individual Names on File
Last Sale	$145,000 (May 2001)
Tax Bill	$3,725 (2025)
Deeds & Mortgages	Jan 2022 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-314318`

Property Details

APN / Parcel Number

Primary APN	`14-314318`
Alternative APN	`314318`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,564 sqft Living Area
1st Floor Area	1,104 sqft
Basement Area	460 sqft
Finished Basement	460 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	57,499 sqft
Garage Type	Detached
Garage Area	896 sqft
Parking Spaces	3 Parking Spaces
Deck Area	184 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	314318
Street Address	4534 ELMER DERR RD
City	FREDERICK
State	MD
Zip	21703-7408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 5 SECT 1 1.321 AC ELMER DERR RD OAKLAND EST
Legal Subdivision	OAKLAND ESTATES
Legal Lot Number	5
Jurisdiction	FREDERICK MD
Township / Civil Division	23, BALLENGER
Census Block Group	2
Census Block	2001
Census Tract	752502

Owner

Source: Frederick County records · APN 14-314318

Assessment roll updated August 7, 2026 · Last verified August 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 File
Mailing Address	4534 ELMER DERR RD, FREDERICK, MD 21703-7408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 07, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 13, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Jul 13, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 25, 2001 · Amount on Record
Deed Sale	May 25, 2001 · Amount on Record
Deed Document Number	20013222
Deed Book / Page	2875 / 1337
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4534 ELMER DERR RD, FREDERICK, MD 21703-7408
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0156450462
Date	Jan 07, 2022
Book Page	15645/462

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 01, 2037

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4534 ELMER DERR RD, FREDERICK, MD 21703-7408
Document Number	0138710045
Instrument Date	May 13, 2020
Transaction Type	Mortgage
Record Updated	Aug 18, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4534 ELMER DERR RD FREDERICK MD 217037408, FREDERICK, MD 21703-7408

Mortgage

Document Number	0138710045
Date	Jul 02, 2020
Book Page	013871/000045

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jul 01, 2035

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4534 ELMER DERR RD, FREDERICK, MD 21703-7408
Document Number	0131920472
Instrument Date	Jul 13, 2019
Transaction Type	Mortgage
Record Updated	Sep 24, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4534 ELMER DERR RD FREDERICK MD 217037408, FREDERICK, MD 21703-7408

Mortgage

Document Number	0131920472
Date	Sep 06, 2019
Book Page	013192/000472

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Sep 05, 2034

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 7, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$337,467 (+20.65%)	$356,100 (+18.62%) Land $127,000 Building $229,100
2025	$3,725.00 (+14.62%)
2023	$3,250.00 Homeowner's exemption	$279,700	$300,200 Land $117,200 Building $183,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 21 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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