4920 Ed McClain Rd, Monrovia, MD 21770 Property Records

Frederick County property record for 4920 Ed McClain Rd, Monrovia, MD 21770

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,532 sqft · built 1920
Lot Size	2.24 acres (97,574 sqft)
Owner	Individual Name on Record
Last Sale	$569,900 (Feb 2026)
Tax Bill	$6,237 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Feb 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`09-233385`

Property Details

APN / Parcel Number

Primary APN	`09-233385`
Alternative APNs	`9233385` `233385`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,532 sqft Living Area
1st Floor Area	1,528 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	97,574 sqft (2.24 acres)
Garage Type	Detached
Garage Area	840 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	319 sqft
Deck Area	290 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	233385
Street Address	4920 ED MCCLAIN RD
City	MONROVIA
State	MD
Zip	21770-9602
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LT 1.75 AC W/S ED MC CLAIN RD AT R. 75
Legal Lot Number	1
Jurisdiction	FREDERICK MD
Township / Civil Division	9, NEW MARKET
Census Block Group	2
Census Block	2003
Census Tract	752102

Owner

Source: Frederick County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4920 ED MCCLAIN RD, MONROVIA, MD 21770-9602
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2022	Deed of Trust, Mortgage · Commercial Mortgage HOMETAP INVESTMENT PARTNERS III SPV LLC
Feb 23, 2026	Deed, Transfer · VA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Jan 6, 2023	Deed, Transfer · Conventional Mortgage WESBANCO BANK INC
Aug 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV
Aug 5, 2019	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC
Sep 5, 2017	Limited Warranty Deed, Transfer · FHA Mortgage NEW AMERICA FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 2026 · Amount on Record
Deed Sale	Feb 23, 2026 · Amount on Record
Prior Sale	Jan 6, 2023 · Amount on Record
Deed Book / Page	17736 / 144
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4920 ED MCCLAIN RD, MONROVIA, MD 21770-9602
Transaction Type	Mortgage
Record Updated	Mar 9, 2026
Title Company	CLEAREDGE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	800 BOYLSTON ST 16TH, 16, BOSTON, MA 02199-8001

Mortgage

Document Number	0160500262
Date	Jul 26, 2022
Book Page	16050/262

Lender

Name	HOMETAP INVESTMENT PARTNERS III SPV LLC
Type	Non-Lending Institution
Address	BOSTON, MA 02199

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Feb 23, 2026
Property Address	4920 ED MCCLAIN RD, MONROVIA, MD 21770-9602
Document Number	0177360144
Book / Page	17736 / 144
Instrument Date	Feb 17, 2026
Transaction Type	Transfer
Record Updated	Mar 9, 2026
Title Company	LEGACYHOUSE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,849.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	4920 ED MCCLAIN RD, MONROVIA, MD 21770-9602

Mortgage

Document Number	0017736149
Date	Feb 23, 2026
Instrument	17736/149

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 6, 2023
Property Address	4920 ED MCCLAIN RD, MONROVIA, MD 21770-9602
Document Number	0162860356
Book / Page	16286 / 356
Instrument Date	Dec 23, 2022
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,212.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	4920 ED MCCLAIN RD, MONROVIA, MD 21770-9602

Mortgage

Document Number	0016286363
Date	Jan 6, 2023
Instrument	16286/363

Lender

Name	WESBANCO BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Jan 1, 2028
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	1-Year T-Bill
Margin	3
Max Rate	11.2%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4920 ED MCCLAIN RD, MONROVIA, MD 21770-9602
Document Number	0132470503
Instrument Date	Aug 5, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4920 ED MCCLAIN RD MONROVIA MD 217709602, MONROVIA, MD 21770-9602

Mortgage

Document Number	0132470503
Date	Oct 2, 2019
Book Page	013247/000503

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FREDERICK MD
Property Address	4920 ED MCCLAIN RD, MONROVIA, MD 21770-9602
Document Number	0132590015
Instrument Date	Aug 5, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4920 ED MCCLAIN RD MONROVIA MD 217709602, MONROVIA, MD 21770-9602

Mortgage

Document Number	0132590015
Date	Oct 8, 2019
Book Page	013259/000015

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 7, 2049

Interest

Rate	4.25%

September 2017: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 5, 2017
Property Address	4920 ED MCCLAIN RD, MONROVIA, MD 21770-9602
Document Number	0120110237
Book / Page	12011 / 0237
Instrument Date	Aug 10, 2017
Instrument	12011-0237
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,560.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4920 MCCLAIN RD, MONROVIA, MD 21770

Mortgage

Document Number	120110246
Date	Sep 5, 2017
Instrument	12011-0246

Lender

Name	NEW AMERICA FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,237.00 (+21.79%)	$498,300 (+17.41%)	$577,700 (+25.97%) Land $231,900 Building $345,800
2023	$5,121.00	$424,400	$458,600 Land $168,100 Building $290,500

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2003)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2003 · tidal / storm surge

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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