Frederick County property record for 5109 Reels Mill Rd, Frederick, MD 21704
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,304 sqft · built 1989 |
| Lot Size | 0.99 acres (43,124 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $715,000 (Jul 2022) |
| Tax Bill | $8,510 (2025) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-267778 |
| Primary APN | 09-267778 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,304 sqft Living Area |
| Gross Area | 3,788 sqft |
| 1st Floor Area | 1,152 sqft |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 43,124 sqft (0.99 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 586 sqft |
| Deck Area | 392 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 267778 |
|---|---|
| Street Address | 5109 REELS MILL RD |
| City | FREDERICK |
| State | MD |
| Zip | 21704-7335 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | LOT 2 0.9955 ACRES SOUTH MEADOWS |
| Legal Subdivision | SOUTH MEADOWS |
| Legal Lot Number | 2 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 9, NEW MARKET |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 751904 |
5109 Reels Mill Rd is owned and occupied by two individuals who bought it in July 2022.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5109 REELS MILL RD, FREDERICK, MD 21704-7335 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 18, 2022 · Amount on File |
| Deed Sale | Jul 18, 2022 · Amount on File |
| Prior Sale | Mar 18, 2003 · Amount on File |
| Deed Book / Page | 16038 / 56 |
| Transfer Doc | 0000005886 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jul 18, 2022 |
| Property Address | 5109 REELS MILL RD, FREDERICK, MD 21704-7335 |
| Document Number | 0160380056 |
| Book / Page | 16038 / 56 |
| Map Reference | MB 32 PL 167 |
| Instrument Date | Jul 15, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,575.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 32462 HERRING WOOD DR, 32462, DAGSBORO, DE 19939-4374 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5109 REELS MILL RD, FREDERICK, MD 21704-7335 |
| Document Number | 0001603863 |
|---|---|
| Date | Jul 18, 2022 |
| Instrument | 16038/63 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
The 2025 property tax bill for 5109 Reels Mill Rd was $8,510.
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 | $739,900 | $795,500 Land $242,000 Building $553,500 | |
| 2025 | $8,510.00 | ||
| 2023 | $7,000.00 | $584,667 | $628,700 Land $156,700 Building $472,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5109 Reels Mill Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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 |
| Nearby Flood Claims | 2 (1979) |
| Most Recent Claim | Feb 1979 · tidal / storm surge |
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 5109 Reels Mill Rd is low, with 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 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 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: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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