4908 Valley Pine Dr, Frederick, MD 21703 Property Records

Frederick County property record for 4908 Valley Pine Dr, Frederick, MD 21703 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,320 sqft · built 1984
Lot Size	2.51 acres (109,336 sqft)
Owner	2 Individual Names on File
Last Sale	$479,900 (Jun 2005)
Tax Bill	$5,068 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`23-439204`

Property Details

APN / Parcel Number

Primary APN	`23-439204`
Alternative APN	`439204`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,320 sqft Living Area
Gross Area	3,280 sqft
1st Floor Area	1,536 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	109,336 sqft
Garage Type	Attached
Garage Area	960 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	140 sqft
Deck Area	288 sqft
Shed	1 Shed
Shed Area	352 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	439204
Street Address	4908 VALLEY PINE DR
City	FREDERICK
State	MD
Zip	21703-7431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 45 SECT 7 2.510 A VALLEY PINE DR BALLENGER HEIGHTS
Legal Subdivision	BALLENGER HEIGHTS SEC 07
Legal Lot Number	45
Jurisdiction	FREDERICK MD
Township / Civil Division	23, BALLENGER
Census Block Group	2
Census Block	2007
Census Tract	752303

Owner

Source: Frederick County records · APN 23-439204

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	4908 VALLEY PINE DR, FREDERICK, MD 21703-7431
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 06, 2022	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Nov 02, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jan 06, 2022	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Jan 06, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Dec 28, 2017	Deed of Trust, Mortgage · Conventional with PMI STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 30, 2005 · Amount on Record
Deed Sale	Jun 30, 2005 · Amount on Record
Prior Sale	Jan 09, 1984 · Amount on Record
Deed Document Number	200555001
Deed Book / Page	5406 / 479
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4908 VALLEY PINE DR, FREDERICK, MD 21703-7431
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0156370393
Date	Jan 06, 2022
Book Page	15637/393

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2052

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4908 VALLEY PINE DR, FREDERICK, MD 21703-7431
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0142250217
Date	Nov 02, 2020
Book Page	14225/217

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	328 Months
Due	Mar 01, 2048

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4908 VALLEY PINE DR, FREDERICK, MD 21703-7431
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	PINNACLE TITLE AGENCY, PINNACLE T&E INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0156380062
Date	Jan 06, 2022
Book Page	15638/62

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	312 Months
Due	Jan 01, 2048

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4908 VALLEY PINE DR, FREDERICK, MD 21703-7431
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0156380087
Date	Jan 06, 2022
Book Page	15638/87

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	314 Months
Due	Mar 01, 2048

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4908 VALLEY PINE DR, FREDERICK, MD 21703-7431
Document Number	0122220121
Book / Page	012222 / 000121
Instrument Date	Dec 28, 2017
Transaction Type	Mortgage
Record Updated	Jan 19, 2018
Title Company	PINNACLE TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4908 VALLEY PINE DR FREDERICK MD 217037431, FREDERICK, MD 21703-7431

Mortgage

Document Number	0122220121
Date	Jan 08, 2018
Book Page	012222/000121

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 07, 2048

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		$578,200 (+14.24%) Land $146,300 Building $431,900	$578,200 (-) Land $146,300 Building $431,900
2025	$5,068.00 (+6.25%) Homeowner's exemption	$506,133 (+39.82%)	$578,200 (+59.72%) Land $146,300 Building $431,900
2024	$4,770.00 (+8.66%)
2023	$4,390.00 Homeowner's exemption	$362,000 Land $100,800 Building $261,200	$362,000 Land $100,800 Building $261,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217523032, refreshed September 2026 · 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
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 59 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Valley Pine Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures