5204 Ernie Ln, Frederick, MD 21703 Property Records

Frederick County property record for 5204 Ernie Ln, Frederick, MD 21703

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,016 sqft · built 1986
Lot Size	1.83 acres (79,715 sqft)
Owner	Individual Name on File
Last Sale	$426,000 (Jul 2018)
Tax Bill	$5,102 (2023)
Deeds & Mortgages	Feb 2021 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-435527`

Property Details

APN / Parcel Number

Primary APN	`23-435527`
Alternative APN	`435527`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,016 sqft Total Area
1st Floor Area	1,952 sqft

Exterior

Year Built	Built 1986
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	79,715 sqft (1.83 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	435527
Street Address	5204 ERNIE LN
City	FREDERICK
State	MD
Zip	21703-6906
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 58 SEC 1 PLAT 1 1.833AC ERNIE LANE HILLSIDE ESTATES
Legal Subdivision	ERNIE LANE HILLSIDE ESTATES
Legal Lot Number	58
Jurisdiction	FREDERICK MD
Township / Civil Division	23, BALLENGER
Census Block Group	1
Census Block	1019
Census Tract	751004

Owner

5204 Ernie Ln is owned and occupied by an individual who bought it in July 2018.

Source: Frederick County records, as of September 25, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5204 ERNIE LN, FREDERICK, MD 21703-6906
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP
Jul 23, 2018	Special Warranty Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2018 · Amount on File
Deed Sale	Jul 23, 2018 · Amount on File
Deed Document Number	0012528452
Deed Book / Page	12528 / 452
Record Updated	Jun 7, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	5204 ERNIE LN, FREDERICK, MD 21703-6906
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	ANSWER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0145240204
Date	Feb 8, 2021
Book Page	14524/204

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

July 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FREDERICK MD
Recording Date	Jul 23, 2018
Property Address	5204 ERNIE LN, FREDERICK, MD 21703-6906
Document Number	0125280452
Book / Page	12528 / 0452
Map Reference	MB18 PG196
Instrument Date	Jul 6, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ANSWER TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,065.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	5204 EMIE LN, FREDERICK, MD 21703

Mortgage

Document Number	0012528461
Date	Jul 23, 2018
Instrument	12528/461

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$5,102.00	$422,700 Land $111,600 Building $311,100	$422,700 Land $111,600 Building $311,100

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

Flood

FEMA maps place 5204 Ernie 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 Policies	6 in force
Nearby Flood Claims	2 (2018)
Most Recent Claim	May 2018 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2018 · 2 claims

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

Wildfire risk around 5204 Ernie Ln 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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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