4923 Small Gains Way, Frederick, MD 21703 Property Records

Frederick County property record for 4923 Small Gains Way, Frederick, MD 21703

Property Summary

Property Type	Townhouse
Details	3 ba · 1,440 sqft · built 2013
Lot Size	0.046 acres (2,040 sqft)
Owner	Individual Name on File
Last Sale	$274,745 (May 2013)
Tax Bill	$3,386 (2023)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-589108`

Property Details

APN / Parcel Number

Primary APN	`23-589108`
Alternative APN	`589108`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,440 sqft Total Area
Basement Area	400 sqft
Finished Basement	400 sqft

Exterior

Year Built	Built 2013
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,040 sqft (0.046 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	589108
Street Address	4923 SMALL GAINS WAY
City	FREDERICK
State	MD
Zip	21703-7353
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 216 SECTION 2 2,040 SQ FT LINTON AT BALLENGER
Legal Subdivision	LINTON/BALLENGER SEC 2
Legal Lot Number	216
Jurisdiction	FREDERICK MD
Township / Civil Division	1, BUCKEYSTOWN
Census Block Group	4
Census Block	4000
Census Tract	752301

Owner

4923 Small Gains Way, a townhouse, is owned and occupied by an individual who bought it in May 2013.

Source: Frederick County records, as of September 25, 2023

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

Owner of Record	Individual Name on File
Mailing Address	4923 SMALL GAINS WAY, FREDERICK, MD 21703-7353
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2013 · Amount on File
Deed Sale	May 10, 2013 · Amount on File
Prior Sale	Mar 22, 2013 · Amount on File
Deed Document Number	0000953930
Deed Book / Page	9539 / 30
Record Updated	Jun 7, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4923 SMALL GAINS WAY, FREDERICK, MD 21703-7353
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0140280306
Date	Aug 31, 2020
Book Page	14028/306

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Sep 1, 2045

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

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
2023	$3,386.00 Homeowner's exemption	$281,400 Land $70,000 Building $211,400	$281,400 Land $70,000 Building $211,400

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

Flood

FEMA maps place 4923 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

Wildfire risk around 4923 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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