Frederick County property record for 4976 Small Gains Way, Frederick, MD 21703
| Property Type | Exempt (Full or Partial) |
|---|---|
| Details | 2.5 ba · 2,160 sqft · built 2015 |
| Lot Size | 0.046 acres (2,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $626,732 (Nov 2014) |
| Tax Bill | $88 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Apr 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-589417 |
| Primary APN | 23-589417 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 2,160 sqft Gross Area |
| 1st Floor Area | 720 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,000 sqft (0.046 acres) |
| Deck Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 589417 |
|---|---|
| Street Address | 4976 SMALL GAINS WAY |
| City | FREDERICK |
| State | MD |
| Zip | 21703-7352 |
| Property Category | Other |
| Property Type | Other > Exempt (Full or Partial) |
| Legal Description | LOT 237 SECTION 2 2,000 SQ FT LINTON AT BALLENGER |
| Legal Subdivision | LINTON/BALLENGER |
| Legal Lot Number | 237 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 1, BUCKEYSTOWN |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 752301 |
Source: Frederick County records, as of August 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4976 SMALL GAINS WAY, FREDERICK, MD 21703-7352 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| May 28, 2026 | Deed of Trust, Mortgage · Line of Credit LAFAYETTE FEDERAL CREDIT UNION |
| Apr 9, 2021 | Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC |
| Apr 12, 2019 | Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC |
| Aug 9, 2021 | Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC |
| Dec 7, 2017 | Grant Deed, Transfer NVR SETTLEMENT SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 5, 2014 · Amount on Record |
| Deed Sale | Nov 5, 2014 · Amount on Record |
| Deed Book / Page | 271 / 256 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 28, 2026 |
| Property Address | 4976 SMALL GAINS WAY, FREDERICK, MD 21703-7352 |
| Document Number | 1788000187 |
| Book / Page | 17880 / 187 |
| Instrument Date | Apr 20, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | RES TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 4976 SMALL GAINS WAY, FREDERICK, MD 21703-7352 |
| Investor | Possibly a Property Investor |
| Document Number | 1788000187, |
|---|---|
| Date | May 28, 2026 |
| Book Page | 17880/187 |
| Name | LAFAYETTE FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 20, 2056 |
| Rate | 7.25% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4976 SMALL GAINS WAY, FREDERICK, MD 21703-7352 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0147520271 |
|---|---|
| Date | Apr 9, 2021 |
| Book Page | 14752/271 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4976 SMALL GAINS WAY, FREDERICK, MD 21703-7352 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | AVENUE 365 LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0129180079 |
|---|---|
| Date | Apr 12, 2019 |
| Book Page | 12918/0079 |
| Name | NEWREZ LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | PLYMOUTH MEETING, PA 19462 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4976 SMALL GAINS WAY, FREDERICK, MD 21703-7352 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | AVENUE 365 LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0151690078 |
|---|---|
| Date | Aug 9, 2021 |
| Book Page | 15169/78 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 342 Months |
| Due | Feb 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Dec 7, 2017 |
| Property Address | 4976 SMALL GAINS WAY, FREDERICK, MD 21703-7352 |
| Document Number | 0121710118 |
| Book / Page | 012171 / 000118 |
| Instrument Date | Nov 28, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | NVR SETTLEMENT SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $113.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4991 NEW DESIGN RD #105 FREDERICK MD 217037342, 105, FREDERICK, MD 21703-7342 |
| Investor | Possibly a Property Investor |
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $386,100 (+7.59%) Land $70,000 Building $316,100 | $386,100 (-) Land $70,000 Building $316,100 | |
| 2025 | $88.00 | $358,867 (+17.89%) | $386,100 (+26.84%) Land $70,000 Building $316,100 |
| 2023 | $88.00 Disabled Person's exemption Veteran's exemption | $304,400 Land $70,000 Building $234,400 | $304,400 Land $70,000 Building $234,400 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures