Frederick County property record for 4899 Elmer Derr Rd, Frederick, MD 21703
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,112 sqft · built 1978 |
| Lot Size | 1.51 acres (66,211 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $392,500 (Jun 2015) |
| Tax Bill | $5,154 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Apr 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-438984 |
| Primary APN | 23-438984 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,112 sqft Living Area |
| Gross Area | 3,976 sqft |
| 1st Floor Area | 1,056 sqft |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 66,211 sqft |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Breezeway |
|---|---|
| Porch Area | 288 sqft |
| Deck Area | 388 sqft |
| Breezeway | Breezeway |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 438984 |
|---|---|
| Street Address | 4899 ELMER DERR RD |
| City | FREDERICK |
| State | MD |
| Zip | 21703-7426 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT 49 SECT 2-1.52 AC ELMER DERR RD BALLENGER HGTS |
| Legal Subdivision | BALLENGER HEIGHTS SEC 2 |
| Legal Lot Number | 49 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 23, BALLENGER |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 752303 |
Source: Frederick County records, as of August 7, 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 | 4899 ELMER DERR RD, FREDERICK, MD 21703-7426 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jul 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage APEX HOME LOANS INC |
| Apr 27, 2022 | Deed of Trust, Mortgage · Line of Credit SPECTRA CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 4, 2015 · Amount on Record |
| Deed Sale | Jun 4, 2015 · Amount on Record |
| Prior Sale | May 11, 2009 · Amount on Record |
| Deed Book / Page | 10570 / 75 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4899 ELMER DERR RD, FREDERICK, MD 21703-7426 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0151090160 |
|---|---|
| Date | Jul 21, 2021 |
| Book Page | 15109/160 |
| Name | APEX HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | ROCKVILLE, MD 20850 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4899 ELMER DERR RD, FREDERICK, MD 21703-7426 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | NOT AVAILABLE, SINGLE SOURCE PROPERTY SLN |
| Name | Verified Name |
|---|---|
| Address | 4899 ELMER DERR RD, FREDERICK, MD 21703-7426 |
| Document Number | 0158840340 |
|---|---|
| Date | Apr 27, 2022 |
| Book Page | 15884/340 |
| Name | SPECTRA CREDIT UNION |
|---|---|
| Address | ALEXANDRIA, VA 22312 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 20, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $638,300 (+57.02%) Land $138,100 Building $500,200 | $638,300 (+57.02%) Land $138,100 Building $500,200 | |
| 2025 | $5,154.00 (+15.51%) | ||
| 2023 | $4,462.00 Homeowner's exemption | $406,500 Land $92,900 Building $313,600 | $406,500 Land $92,900 Building $313,600 |
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 · 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 | 4 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.
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 59 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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