Frederick County property record for 4932 Small Gains Way, Frederick, MD 21703
| Property Type | Townhouse |
|---|---|
| Details | 4 ba · 1,960 sqft · built 2013 |
| Lot Size | 0.055 acres (2,400 sqft) |
| Owner | Individual Name on File |
| Last Sale | $304,000 (Apr 2018) |
| Tax Bill | $3,424 (2023) |
| Deeds & Mortgages | Jun 2017 Mortgage Oct 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-589403 |
| Primary APN | 23-589403 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 3 Stories |
| Building Area | 1,960 sqft Total Area |
| Year Built | Built 2013 |
|---|---|
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,400 sqft (0.055 acres) |
| Garage Type | Built-in |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 589403 |
|---|---|
| Street Address | 4932 SMALL GAINS WAY |
| City | FREDERICK |
| State | MD |
| Zip | 21703-7352 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | LOT 223 SECTION 2 2,400 SQ FT LINTON AT BALLENGER |
| Legal Subdivision | LINTON/BALLENGER SEC 2 |
| Legal Lot Number | 223 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 1, BUCKEYSTOWN |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 752301 |
4932 Small Gains Way, a townhouse, is owned and occupied by an individual who bought it in April 2018.
Source: Frederick County records, as of September 25, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 4932 SMALL GAINS WAY, FREDERICK, MD 21703-7352 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jun 21, 2017 | Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST MORTGAGE INC |
| Oct 7, 2019 | Deed of Trust, Mortgage · VA Mortgage SEVERN SAVINGS BANK FSB |
| Oct 25, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Apr 13, 2018 | Deed, Transfer · VA Mortgage SEVERN SAVINGS BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 13, 2018 · Amount on File |
| Deed Sale | Apr 13, 2018 · Amount on File |
| Prior Sale | Dec 12, 2013 · Amount on File |
| Deed Document Number | 0012363427 |
| Deed Book / Page | 12363 / 427 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4932 SMALL GAINS WAY, FREDERICK, MD 21703-7352 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | THE ATLANTIC TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 0118830391 |
|---|---|
| Date | Jun 21, 2017 |
| Book Page | 11883/0391 |
| Instrument | 11883-0391 |
| Name | SUNTRUST MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4932 SMALL GAINS WAY, FREDERICK, MD 21703-7352 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | CERTIFIED TITLE CORPORATION |
| Name | Verified Name |
|---|
| Document Number | 0132580312 |
|---|---|
| Date | Oct 7, 2019 |
| Book Page | 13258/0312 |
| Name | SEVERN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | ANNAPOLIS, MD 21401 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4932 SMALL GAINS WAY, FREDERICK, MD 21703-7352 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0154180401 |
|---|---|
| Date | Oct 25, 2021 |
| Book Page | 15418/401 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 337 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Apr 13, 2018 |
| Property Address | 4932 SMALL GAINS WAY, FREDERICK, MD 21703-7352 |
| Document Number | 0123630427 |
| Book / Page | 12363 / 0427 |
| Map Reference | MB91 PL172 |
| Instrument Date | Mar 28, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | CERTIFIED TITLE CORP |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $760.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 4932 SMALL GAINS WAY, FREDERICK, MD 21703-7352 |
| Document Number | 0012363436 |
|---|---|
| Date | Apr 13, 2018 |
| Instrument | 12363/436 |
| Name | SEVERN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2048 |
Source: Frederick County assessment roll, as of July 1, 2023
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $3,424.00 Homeowner's exemption | $284,700 Land $70,000 Building $214,700 | $284,700 Land $70,000 Building $214,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4932 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 4932 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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