4901 Saint Gemma Rd, Baltimore, MD 21229 Property Records

Baltimore City property record for 4901 Saint Gemma Rd, Baltimore, MD 21229

Property Summary

Property Type	Townhouse
Details	2 ba · 1,728 sqft · built 1955
Lot Size	0.04 acres (1,751 sqft)
Owner	2 Individual Names on File
Last Sale	$194,500 (Jul 2020)
Tax Bill	$3,279 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jul 2020 Sale & Mortgage + 1 more
APN	`28-05-7993A-320`

Property Details

APN / Parcel Number

Primary APN	`28-05-7993A-320`
Alternative APNs	`057993A320` `7993A-320`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,728 sqft Living Area
1st Floor Area	576 sqft
Basement Area	576 sqft
Finished Basement	576 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Townhouse
Exterior Material	Brick
Construction Type	Brick
Roof Material	Built-Up Asphalt
Lot Area	1,751 sqft (0.04 acres)
Lot Dimensions	158 ft deep x 11.1 ft wide
Porch	Open Porch
Porch Area	56 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	057993A320
Street Address	4901 SAINT GEMMA RD
City	BALTIMORE
State	MD
Zip	21229-1237
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R-6
Legal Description	11-1X158-7
Legal Subdivision	WEST HILLS
Legal Block	7993A
Legal Lot Number	320
Jurisdiction	BALTIMORE CITY MD
Township / Civil Division	BALTIMORE
Census Block Group	4
Census Block	4000
Census Tract	280401

Owner

4901 Saint Gemma Rd, a townhouse, is owned and occupied by two individuals who bought it in July 2020.

Source: Baltimore City records, as of July 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4901 SAINT GEMMA RD, BALTIMORE, MD 21229-1237
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2021	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Jul 1, 2020	Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 1, 2019	Trustee's Deed, Foreclosure SWAN TITLE CORPORATION, SWAN TITLE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2020 · Amount on File
Deed Sale	Jul 1, 2020 · Amount on File
Prior Sale	Apr 10, 2019 · Amount on File
Deed Book / Page	22125 / 457
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE CITY MD
Property Address	4901 SAINT GEMMA RD, BALTIMORE, MD 21229-1237
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0233010460
Date	Jun 25, 2021
Book Page	23301/460

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Apr 1, 2051

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	BALTIMORE CITY MD
Recording Date	Jul 1, 2020
Property Address	4901 SAINT GEMMA RD, BALTIMORE, MD 21229-1237
Document Number	0221250457
Book / Page	22125 / 457
Map Reference	FLDR MLP 691
Instrument Date	May 4, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4901 SAINT GEMMA RD, BALTIMORE, MD 21229-1237

Mortgage

Document Number	0022125465
Date	Jul 1, 2020
Instrument	22125/465

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jun 1, 2050

April 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	BALTIMORE CITY MD
Recording Date	Apr 1, 2019
Property Address	4901 SAINT GEMMA RD, BALTIMORE, MD 21229-1237
Document Number	0210140001
Book / Page	021014 / 000001
Instrument Date	Jan 10, 2019
Transaction Type	Foreclosure
Record Updated	Apr 19, 2019
Title Company	SWAN TITLE CORPORATION, SWAN TITLE CORP

Transaction

Amount	Amount on Record
Tax	$75.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4901 SAINT GEMMA RD BALTIMORE MD 212291237, BALTIMORE, MD 21229-1237

Tax Assessment & Valuation

The 2025 property tax bill for 4901 Saint Gemma Rd was $3,279 with a homeowner's exemption.

Source: Baltimore City assessment roll, as of July 14, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,279.00 Homeowner's exemption	$223,133	$243,300 Land $30,000 Building $213,300
2023	$3,518.00 Homeowner's exemption	$182,800 Land $30,000 Building $152,800	$182,800 Land $30,000 Building $152,800

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

Flood

FEMA has no flood map on file for 4901 Saint Gemma Rd.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

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

Wildfire

The area around 4901 Saint Gemma Rd has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	CITY OF BALTIMORE serves 1,600,000 people · EPA ID MD0300002
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026 E. coli resolved · Sep 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 829 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless · Fiber in parts of the area	1,000 / 75
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: BridgeMAXX Suncoast Broadband.

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