Frederick County property record for 5331 Wye Creek Dr, Frederick, MD 21703
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,996 sqft · built 1990 |
| Lot Size | 3.35 acres (145,926 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $812,500 (Sep 2026) |
| Tax Bill | $7,392 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Nov 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-448459 |
| Primary APN | 23-448459 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,996 sqft Living Area |
| Gross Area | 4,524 sqft |
| 1st Floor Area | 1,674 sqft |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 145,926 sqft |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 440 sqft |
| Deck Area | 528 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 448459 |
|---|---|
| Street Address | 5331 WYE CREEK DR |
| City | FREDERICK |
| State | MD |
| Zip | 21703-6938 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT 31 SEC 4 3.351 ACRES WYE CREEK |
| Legal Subdivision | ACRES WYE CREEK |
| Legal Lot Number | 31 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 23, BALLENGER |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 751004 |
5331 Wye Creek Dr is owned and occupied by two individuals who bought it in September 2026.
Source: Frederick County records, as of September 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5331 WYE CREEK DR, FREDERICK, MD 21703-6938 |
| 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.
| Date | Document |
|---|---|
| Sep 10, 2026 | Deed, Transfer · VA Mortgage MORTGAGE MORTGAGE |
| Nov 20, 2019 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU OF MARYLAND INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 10, 2026 · Amount on File |
| Deed Sale | Sep 10, 2026 · Amount on File |
| Prior Sale | May 7, 2002 · Amount on File |
| Deed Book / Page | 18043 / 176 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Sep 10, 2026 |
| Property Address | 5331 WYE CREEK DR, FREDERICK, MD 21703-6938 |
| Document Number | 1804000176 |
| Book / Page | 18043 / 176 |
| Instrument Date | Aug 28, 2026 |
| Transaction Type | Transfer |
| Record Updated | Sep 18, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY COMPANY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $820,625.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5331 WYE CREEK DR, FREDERICK, MD 21703-6938 |
| Document Number | 1804000183, |
|---|---|
| Date | Sep 10, 2026 |
| Book Page | 18043/183 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 5331 WYE CREEK DR, FREDERICK, MD 21703-6938 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | EXCALIBUR TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | 0133510052 |
|---|---|
| Date | Nov 20, 2019 |
| Book Page | 13351/0052 |
| Name | STATE EMPLOYEES CU OF MARYLAND INC |
|---|---|
| Type | Credit Union |
| Address | LINTHICUM HEIGHTS, MD 21090 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Type Change Date | Nov 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 8% |
| Index | 1-Year CMT |
| Max Rate | 8% |
The 2025 property tax bill for 5331 Wye Creek Dr was $7,392 with a homeowner's exemption.
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 | $669,200 (+7.17%) Land $106,900 Building $562,300 | $669,200 (-) Land $106,900 Building $562,300 | |
| 2025 | $7,392.00 Homeowner's exemption | $624,400 | $669,200 Land $106,900 Building $562,300 |
| 2023 | $6,415.00 Homeowner's exemption | $534,800 Land $106,900 Building $427,900 | $534,800 Land $106,900 Building $427,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5331 Wye Creek Dr 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 |
|
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 5331 Wye Creek Dr 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 88 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
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