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4964 Small Gains Way, Frederick, MD 21703 Property Records

Frederick County property record for 4964 Small Gains Way, Frederick, MD 21703

Property Summary

Property TypeTownhouse
Details2.5 ba · 2,532 sqft · built 2014
Lot Size0.07 acres (3,047 sqft)
OwnerIndividual Name on File
Last Sale$331,390 (Apr 2014)
Tax Bill$4,276 (2024)
Deeds & MortgagesSep 2022 Mortgage
Dec 2017 Sale
Flood ZoneZone X (minimal risk)
APN23-589412

Property Details

APN / Parcel Number

Primary APN23-589412
Alternative APN
  • 589412

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Stories3 Stories
Building Area2,532 sqft Living Area
Gross Area2,732 sqft
1st Floor Area852 sqft

Exterior

Year BuiltBuilt 2014
Effective Year BuiltEffective 2014
Architectural StyleTownhouse
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area3,047 sqft (0.07 acres)
Garage TypeAttached
Garage Area200 sqft
Parking Spaces1 Parking Space
Deck Area180 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
SewerMunicipal

Location & Zoning

Account Number589412
Street Address4964 SMALL GAINS WAY
CityFREDERICK
StateMD
Zip21703-7352
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Legal DescriptionLOT 232 SECTION 2 3,047 SQ FT LINTON AT BALLENGER
Legal SubdivisionLINTON/BALLENGER SEC 2
Legal Lot Number232
JurisdictionFREDERICK MD
Township / Civil Division1, BUCKEYSTOWN
Census Block Group4
Census Block4002
Census Tract752301

Owner

4964 Small Gains Way, a townhouse, is owned and occupied by an individual who acquired it in July 2021.

Source: Frederick County records, as of August 4, 2025

Owner of RecordIndividual Name on File
Mailing Address4964 SMALL GAINS WAY, FREDERICK, MD 21703-7352
OccupancyOwner Occupied
Owner TypeIndividual

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

Deeds, Mortgages & Sale History

DateDocument
Sep 9, 2022Intrafamily Transfer, Transfer · Conventional Mortgage
US BANK NA
Dec 7, 2017Grant Deed, Transfer
NVR SETTLEMENT SERVICES INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 4, 2014 · Amount on File
Deed SaleApr 4, 2014 · Amount on File
Prior SaleNov 7, 2013 · Amount on File
Deed Book / Page10003 / 2
Last Transfer DateJul 9, 2021
Transfer Doc0161250483
Record UpdatedJun 8, 2026

September 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionFREDERICK MD
Recording DateSep 9, 2022
Property Address4964 SMALL GAINS WAY, FREDERICK, MD 21703-7352
Document Number0161250483
Book / Page16125 / 483
Map ReferenceMB 91 PL 172
Instrument DateJul 9, 2021
Transaction TypeTransfer
Record UpdatedSep 20, 2022
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address4964 SMALL GAINS WAY, 4964, FREDERICK, MD 21703-7352

Transferred To (Grantee/Buyer)

NameVerified Name
Address4964 SMALL GAINS WAY, FREDERICK, MD 21703-7352

Mortgage

Document Number0016125487
DateSep 9, 2022
Instrument16125/487
Lender
NameUS BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term288 Months
DueSep 1, 2046

December 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionFREDERICK MD
Recording DateDec 7, 2017
Property Address4964 SMALL GAINS WAY, FREDERICK, MD 21703-7352
Document Number0121710118
Book / Page012171 / 000118
Instrument DateNov 28, 2017
Transaction TypeTransfer
Record UpdatedJan 3, 2018
Title CompanyNVR SETTLEMENT SERVICES INC

Transaction

AmountAmount on Record
Tax$113.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address4991 NEW DESIGN RD #105 FREDERICK MD 217037342, 105, FREDERICK, MD 21703-7342
InvestorPossibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$380,867$407,000 Land $75,000 Building $332,000
2024$4,276.00 (+8.56%)
2023$3,939.00 Homeowner's exemption$328,600 Land $75,000 Building $253,600$328,600 Land $75,000 Building $253,600

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

Flood

FEMA maps place 4964 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 4964 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 RiskLow
lower than 97% of the US · lower than 94% of Maryland
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 SystemNEW DESIGN - FREDERICK COUNTY
serves 74,911 people · EPA ID MD0100030
Water SourceSurface water
Last State InspectionJan 2025
Lead3 ppb (2019)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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