Frederick County property record for 4907 Small Gains Way, Frederick, MD 21703
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 2,052 sqft · built 2013 |
| Lot Size | 0.047 acres (2,040 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $292,000 (Sep 2017) |
| Tax Bill | $3,831 (2024) |
| Deeds & Mortgages | Nov 2018 Line of Credit Sep 2017 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-589111 |
| Primary APN | 23-589111 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,052 sqft Living Area |
| 1st Floor Area | 732 sqft |
| Basement Area | 600 sqft |
| Finished Basement | 600 sqft |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,040 sqft (0.047 acres) |
| Deck Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 589111 |
|---|---|
| Street Address | 4907 SMALL GAINS WAY |
| City | FREDERICK |
| State | MD |
| Zip | 21703-7353 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | LOT 219 SECTION 2 2,040 SQ FT LINTON AT BALLENGER |
| Legal Subdivision | LINTON/BALLENGER |
| Legal Lot Number | 219 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 1, BUCKEYSTOWN |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 752301 |
4907 Small Gains Way, a townhouse, is owned and occupied by two individuals who bought it in September 2017.
Source: Frederick County records, as of August 4, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4907 SMALL GAINS WAY, FREDERICK, MD 21703-7353 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 14, 2018 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA |
| Sep 29, 2017 | Grant Deed, Transfer LAWYERS SIGNATURE SETTLEMENTS |
| Jan 30, 2017 | Loan Modification, Mortgage · Conventional with PMI PACIFIC UNION FIN'L |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 29, 2017 · Amount on File |
| Deed Sale | Sep 29, 2017 · Amount on File |
| Prior Sale | Mar 14, 2013 · Amount on File |
| Deed Document Number | 201712055-0367 |
| Deed Book / Page | 12055 / 367 |
| Prior Transfer Date | Apr 22, 2015 |
| Prior Transfer Doc | 0105520462 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4907 SMALL GAINS WAY, FREDERICK, MD 21703-7353 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0127120212 |
|---|---|
| Date | Nov 14, 2018 |
| Book Page | 12712/0212 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 26, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Sep 29, 2017 |
| Property Address | 4907 SMALL GAINS WAY, FREDERICK, MD 21703-7353 |
| Document Number | 0120550367 |
| Book / Page | 012055 / 000367 |
| Instrument Date | Sep 25, 2017 |
| Transaction Type | Transfer |
| Record Updated | Nov 30, 2017 |
| Title Company | LAWYERS SIGNATURE SETTLEMENTS |
| Amount | Amount on Record |
|---|---|
| Tax | $292.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4907 SMALL GAINS WAY FREDERICK MD 217037353, FREDERICK, MD 21703-7353 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4907 SMALL GAINS WAY, FREDERICK, MD 21703-7353 |
| Document Number | 0117080314 |
| Book / Page | 011708 / 000314 |
| Instrument Date | Jan 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4907 SMALL GAINS WAY FREDERICK MD 217037353, FREDERICK, MD 21703-7353 |
| Document Number | 0117080314 |
|---|---|
| Date | Mar 9, 2017 |
| Book Page | 011708/000314 |
| Name | PACIFIC UNION FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | MAILSTOP, TX 75236 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
Source: Frederick County assessment roll, as of August 4, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $351,700 | $381,000 Land $70,000 Building $311,000 | |
| 2024 | $3,831.00 (+8.74%) | ||
| 2023 | $3,523.00 Homeowner's exemption | $293,100 Land $70,000 Building $223,100 | $293,100 Land $70,000 Building $223,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4907 Small Gains Way in Zone X, an area of minimal flood risk.
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 | 1 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.
Wildfire risk around 4907 Small Gains Way is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 94% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NEW DESIGN - FREDERICK COUNTY serves 74,911 people · EPA ID MD0100030 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2025 |
| Lead | 3 ppb (2019) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 567 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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