Frederick County property record for 5109 Cap Stine Rd, Frederick, MD 21703
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,656 sqft · built 1860 |
| Lot Size | 59.7 acres (2,601,839 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $6,285 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Feb 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-440326 |
| Primary APN | 23-440326 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,656 sqft Living Area |
| Gross Area | 4,040 sqft |
| 1st Floor Area | 1,897 sqft |
| Basement Area | 2,800 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1860 |
|---|---|
| Effective Year Built | Effective 1860 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,601,839 sqft |
| Garage Type | Attached |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Area | 800 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 306 sqft |
| Deck Area | 132 sqft |
| Shed | 1 Shed |
| Shed Area | 5,000 sqft |
| Bath House | 782 sqft |
| Heating System | Baseboard |
|---|---|
| Sewer | Connected |
| Account Number | 440326 |
|---|---|
| Street Address | 5109 CAP STINE RD |
| City | FREDERICK |
| State | MD |
| Zip | 21703-7403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | FARM PARCEL A 59.733 OFF CAP STINE RD MATHEWS SUB |
| Legal Subdivision | MATHEWS SUB |
| Legal Lot Number | 2 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 23, BALLENGER |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 752303 |
Source: Frederick County records, as of August 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5109 CAP STINE RD, FREDERICK, MD 21703-7403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 23, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MIDDLETOWN VALLEY BANK |
| Feb 3, 2017 | Deed of Trust, Mortgage · Line of Credit MIDDLETOWN VLY BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Apr 23, 2026 |
| Property Address | 5109 CAP STINE RD, FREDERICK, MD 21703-7403 |
| Document Number | 1783000444 |
| Book / Page | 17830 / 444 |
| Instrument Date | Apr 17, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 5109 CAP STINE RD, FREDERICK, MD 21703-7403 |
| Document Number | 1783000444, |
|---|---|
| Date | Apr 23, 2026 |
| Book Page | 17830/444 |
| Name | MIDDLETOWN VALLEY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 5109 CAP STINE RD, FREDERICK, MD 21703-7403 |
| Document Number | 0116800322 |
| Book / Page | 011680 / 000322 |
| Instrument Date | Feb 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2017 |
| Name | Verified Name |
|---|---|
| Address | 5109 CAP STINE RD FREDERICK MD 217037403, FREDERICK, MD 21703-7403 |
| Document Number | 0116800322 |
|---|---|
| Date | Feb 21, 2017 |
| Book Page | 011680/000322 |
| Name | MIDDLETOWN VLY BK |
|---|---|
| Type | Bank |
| Address | JEFFERSON, MD 21755 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $626,300 (+23.51%) Land $153,300 Building $473,000 | $626,300 (+23.51%) Land $153,300 Building $473,000 | |
| 2025 | $6,285.00 (+17.78%) | ||
| 2023 | $5,336.00 | $507,100 Land $108,300 Building $398,800 | $507,100 Land $108,300 Building $398,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 4 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 94% of the US · lower than 87% 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: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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