Frederick County property record for 497 Sulky Ln, Frederick, MD 21703
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,304 sqft · built 1980 |
| Lot Size | 0.182 acres (7,940 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,294 (2023) |
| Deeds & Mortgages | Aug 2018 Line of Credit Aug 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-091429 |
| Primary APN | 02-091429 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,304 sqft Total Area |
| 1st Floor Area | 1,304 sqft |
| Basement Area | 240 sqft |
| Finished Basement | 240 sqft |
| Year Built | Built 1980 |
|---|---|
| Architectural Style | Split Foyer |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 7,940 sqft (0.182 acres) |
| Garage Type | Built-in |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 091429 |
|---|---|
| Old Parcel Number | 2091429 |
| Street Address | 497 SULKY LN |
| City | FREDERICK |
| State | MD |
| Zip | 21703-6062 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R8 |
| Legal Description | LT 77 BLK D SECT 4 7940 SQ FT HILLCREST ORCHARDS |
| Legal Subdivision | HILLCREST ORCHARDS |
| Legal Block | D |
| Legal Lot Number | 77 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 750506 |
497 Sulky Ln is owned and occupied by two individuals.
Source: Frederick County records, as of September 25, 2023
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 497 SULKY LN, FREDERICK, MD 21703-6062 |
| 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 |
|---|---|
| Aug 15, 2018 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Aug 16, 2018 | Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 0001132882 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 497 SULKY LN, FREDERICK, MD 21703-6062 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0125710405 |
|---|---|
| Date | Aug 15, 2018 |
| Book Page | 12571/0405 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 497 SULKY LN, FREDERICK, MD 21703-6062 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0125770426 |
|---|---|
| Date | Aug 16, 2018 |
| Book Page | 12577/0426 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | 00000 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
Source: Frederick County assessment roll, as of July 1, 2023
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $4,294.00 Homeowner's exemption | $299,067 | $356,400 Land $117,900 Building $238,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 497 Sulky Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2018.
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 Claims | 2 (2018) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2018 · rainfall accumulation |
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 497 Sulky Ln 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 93% of the US · lower than 85% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | CITY OF FREDERICK serves 54,000 people · EPA ID MD0100015 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | 1 ppb (2019–2021) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 477 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
May also be available: Glo Fiber, T-Mobile, Verizon.
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