Frederick County property record for 4914 Small Gains Way, Frederick, MD 21703
| Property Type | Condominium |
|---|---|
| Details | built 2016 |
| Lot Size | 0.067 acres (2,895 sqft) |
| Owner | Individual Name on File |
| Last Sale | $306,860 (Jul 2016) |
| Tax Bill | $4,155 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Aug 2019 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-592828 |
| Primary APN | 23-592828 |
|---|---|
| Alternative APN |
|
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Condo/Apartment |
| Lot Area | 2,895 sqft (0.067 acres) |
| Account Number | 592828 |
|---|---|
| Street Address | 4914 SMALL GAINS WAY |
| City | FREDERICK |
| State | MD |
| Zip | 21703-7352 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | UNIT 4914 PHASE 2004 2,895 SQ FT LINTON AT BALLENGER COND |
| Legal Subdivision | LINTON AT BALLENGER CONDOMINIUM |
| Legal Phase | 2,2004 |
| Legal Block | 4 |
| Legal Unit | 4914 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 1, BUCKEYSTOWN |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 752301 |
4914 Small Gains Way, a condominium, is owned and occupied by an individual who acquired it in July 2024.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4914 SMALL GAINS WAY, FREDERICK, MD 21703-7352 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Surviving Spouse |
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 |
|---|---|
| Mar 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Aug 22, 2019 | Quit Claim Deed, Transfer · Construction Mortgage NAVY FCU |
| Aug 22, 2019 | Grant Deed, Transfer · Construction Mortgage NAVY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 8, 2016 · Amount on File |
| Deed Sale | Jul 8, 2016 · Amount on File |
| Deed Book / Page | 11242 / 394 |
| Last Transfer Date | Jul 8, 2024 |
| Transfer Doc | 0169900146 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4914 SMALL GAINS WAY, FREDERICK, MD 21703-7352 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4914 SMALL GAINS WAY, FREDERICK, MD 21703-7352 |
| Document Number | 0146450245 |
|---|---|
| Date | Mar 10, 2021 |
| Book Page | 14645/245 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Feb 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Aug 22, 2019 |
| Property Address | 4914 SMALL GAINS WAY, FREDERICK, MD 21703-7352 |
| Document Number | 0131610414 |
| Book / Page | 013161 / 000414 |
| Instrument Date | Aug 5, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2020 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4914 SMALL GAINS WAY FREDERICK MD 217037352, FREDERICK, MD 21703-7352 |
| Document Number | 131610419 |
|---|---|
| Date | Aug 22, 2019 |
| Book Page | 013161/000419 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Aug 21, 2020 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Aug 22, 2019 |
| Property Address | 4914 SMALL GAINS WAY, FREDERICK, MD 21703-7352 |
| Document Number | 0131610409 |
| Book / Page | 013161 / 000409 |
| Instrument Date | Jul 24, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2020 |
| Title Company | CHAMPION TITLE AGENCY, CHAMPION TITLE & SETTLEMENTS |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $266.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 4914 SMALL GAINS WAY FREDERICK MD 217037352, FREDERICK, MD 21703-7352 |
| Document Number | 131610419 |
|---|---|
| Date | Aug 22, 2019 |
| Book Page | 013161/000419 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Aug 21, 2020 |
The 2025 property tax bill for 4914 Small Gains Way was $4,155 with a homeowner's exemption, up 33% from the year before.
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 | $380,000 (+7.55%) Land $115,000 Building $265,000 | $380,000 (-) Land $115,000 Building $265,000 | |
| 2025 | $4,155.00 (+33%) | $353,333 | $380,000 Land $115,000 Building $265,000 |
| 2024 | $3,124.00 (-12.37%) | ||
| 2023 | $3,565.00 Homeowner's exemption | $300,000 Land $75,000 Building $225,000 | $300,000 Land $75,000 Building $225,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4914 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 4914 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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