5431 Hines Rd, Frederick, MD 21704 Property Records

Frederick County property record for 5431 Hines Rd, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,328 sqft · built 1900
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (Sep 2025)
Tax Bill	$5,149 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Jan 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-242414`

Property Details

APN / Parcel Number

Primary APN	`09-242414`
Alternative APNs	`9242414` `242414`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,328 sqft Living Area
Gross Area	1,482 sqft
1st Floor Area	888 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	130,680 sqft
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	648 sqft
Porch	Enclosed Porch
Porch Area	430 sqft
Patio Area	400 sqft
Shed	1 Shed
Shed Area	512 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	242414
Street Address	5431 HINES RD
City	FREDERICK
State	MD
Zip	21704-6835
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	3 AC E/S HINES RD. N/REICHS FORD RD.
Jurisdiction	FREDERICK MD
Township / Civil Division	9, NEW MARKET
Census Block Group	2
Census Block	2025
Census Tract	751904

Owner

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	Individual Name on Record
Mailing Address	5431 HINES RD, FREDERICK, MD 21704-6835
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2023	Deed of Trust, Mortgage ACADEMY MORTGAGE CORP
Jan 31, 2019	Deed of Trust, Mortgage STEVEN M VERRILL
Dec 29, 2020	Grant Deed, Transfer · Conventional with PMI ACADEMY MTG
Apr 15, 2019	Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2025 · Amount on Record
Deed Sale	Sep 3, 2025 · Amount on Record
Prior Sale	Dec 28, 2020 · Amount on Record
Deed Book / Page	17497 / 71
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	5431 HINES RD, FREDERICK, MD 21704-6835
Transaction Type	Mortgage
Record Updated	Dec 25, 2023
Title Company	EXCALIBUR TITLE AGENCY LLC, EXCALIBUR T&E LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0166990395
Date	Dec 13, 2023
Book Page	16699/395

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Amount	Amount Recorded

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	5431 HINES RD, FREDERICK, MD 21704-6835
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EQUITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0128200394
Date	Jan 31, 2019
Book Page	12820/0394

Lender

Name	STEVEN M VERRILL
Type	Private Party
Address	5431 HINES ROAWD FREDERICK, FREDERICK, MD 21704

Agreement

Amount	Amount Recorded

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 29, 2020
Property Address	5431 HINES RD, FREDERICK, MD 21704-6835
Document Number	0143980299
Book / Page	014398 / 000299
Instrument Date	Dec 4, 2020
Transaction Type	Transfer
Record Updated	Feb 25, 2021
Title Company	EXCALIBUR TITLE AND ESCROW LLC, EXCALIBUR TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$327.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5431 HINES RD FREDERICK MD 217046835, FREDERICK, MD 21704-6835

Mortgage

Document Number	143980304
Date	Dec 29, 2020
Book Page	014398/000304

Lender

Name	ACADEMY MTG
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 28, 2050

April 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 15, 2019
Property Address	5431 HINES RD, FREDERICK, MD 21704-6835
Document Number	0129190219
Book / Page	12919 / 0219
Instrument Date	Apr 9, 2019
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	EMERALD TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$787.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	5431 HINES RD, FREDERICK, MD 21704-6835

Mortgage

Document Number	129190226
Date	Apr 15, 2019
Instrument	12919/0226

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

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
2026		$432,133 (+30.42%)	$455,000 (+17.75%) Land $185,000 Building $270,000
2025	$5,149.00 (+27.74%)
2023	$4,031.00	$331,333	$386,400 Land $165,000 Building $221,400

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

Flood

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 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

Cell Coverage

5G and 4G LTE (outdoors only)

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