497 Sagner Ave, Frederick, MD 21701 Property Records

Frederick County property record for 497 Sagner Ave, Frederick, MD 21701 · Last verified July 2026

Property Summary

Property Type	Townhouse
Details	1.5 ba · 1,240 sqft · built 2001
Lot Size	0.081 acres (3,516 sqft)
Owner	Individual Name on File
Last Sale	$335,000 (May 2026)
Tax Bill	$4,996 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Jul 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-227827`

Property Details

APN / Parcel Number

Primary APN	`02-227827`
Alternative APNs	`2227827` `227827`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,240 sqft Living Area
1st Floor Area	640 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,516 sqft (0.081 acres)
Porch	Slab
Porch Area	88 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	227827
Street Address	497 SAGNER AVE
City	FREDERICK
State	MD
Zip	21701-5719
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 4 3516 SQ. FT. STOVER LOT DIVISION
Legal Subdivision	STOVER LT DIV
Legal Lot Number	4
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2020
Census Tract	772200

Owner

Source: Frederick County records · APN 02-227827

Assessment roll updated August 4, 2025 · Last verified July 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 File
Mailing Address	497 SAGNER AVE, FREDERICK, MD 21701-5719
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
May 04, 2026	Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Jul 30, 2021	Deed, Transfer · FHA Mortgage SWBC MORTGAGE CORP
Aug 08, 2019	Loan Modification, Mortgage STEARNS LNDG LLC
Jun 28, 2017	Loan Modification, Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 04, 2026 · Amount on Record
Deed Sale	May 04, 2026 · Amount on Record
Prior Sale	Jul 30, 2021 · Amount on Record
Deed Book / Page	17846 / 22
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 04, 2026
Property Address	497 SAGNER AVE, FREDERICK, MD 21701-5719
Document Number	1784000022
Book / Page	17846 / 22
Instrument Date	May 01, 2026
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$338,350.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	497 SAGNER AVE, FREDERICK, MD 21701-5719

Mortgage

Document Number	1784000031,
Date	May 04, 2026
Book Page	17846/31

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jul 30, 2021
Property Address	497 SAGNER AVE, FREDERICK, MD 21701-5719
Document Number	0151380008
Book / Page	15138 / 8
Map Reference	MB 66 PG 99
Instrument Date	Jun 30, 2021
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	CARTER TITLE LLC, CHARTER TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$687.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	497 SAGNER AVE, FREDERICK, MD 21701-5719

Mortgage

Document Number	1513815
Date	Jul 30, 2021
Instrument	15138/15

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2051

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FREDERICK MD
Property Address	497 SAGNER AVE, FREDERICK, MD 21701-5719
Document Number	0132320411
Instrument Date	Aug 08, 2019
Transaction Type	Mortgage
Record Updated	Oct 07, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	497 SAGNER AVE FREDERICK MD 217015719, FREDERICK, MD 21701-5719

Mortgage

Document Number	0132320411
Date	Sep 25, 2019
Book Page	013232/000411

Lender

Name	STEARNS LNDG LLC

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2049

Interest

Rate Type	Fixed Rate
Rate	4.25%

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FREDERICK MD
Property Address	497 SAGNER AVE, FREDERICK, MD 21701-5719
Document Number	0120960195
Book / Page	012096 / 000195
Instrument Date	Jun 28, 2017
Transaction Type	Mortgage
Record Updated	Dec 08, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	497 SAGNER AVE FREDERICK MD 217015719, FREDERICK, MD 21701-5719

Mortgage

Document Number	0120960195
Date	Oct 23, 2017
Book Page	012096/000195

Lender

Name	STEARNS LNDG
Address	FLINT, MI 48501-2026

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 22, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,996.00 (+14.4%)	$268,900 (+35.79%) Land $77,500 Building $191,400	$268,900 (-) Land $77,500 Building $191,400
2024	$4,367.00 (+19.71%)
2023	$3,648.00	$198,033	$268,900 Land $77,500 Building $191,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217722002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	8 (1982–1996)
Claims Outside the SFHA	1 of 8
Most Recent Claim	Jan 1996, river or lake flooding, Severe Storms And Flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Individually Listed	Old National Pike Milestones listed 1975 · 69 contributing resources · NRIS 75002107

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 210 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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