5544 Buffalo Rd, Mount Airy, MD 21771 Property Records

Frederick County property record for 5544 Buffalo Rd, Mount Airy, MD 21771

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,460 sqft · built 1900
Lot Size	3.4 acres (148,104 sqft)
Owner	2 Individual Names on File
Last Sale	$435,000 (Jun 2006)
Tax Bill	$5,378 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18-365928`

Property Details

APN / Parcel Number

Primary APN	`18-365928`
Alternative APN	`365928`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,460 sqft Living Area
Gross Area	2,574 sqft
1st Floor Area	1,230 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	148,104 sqft
Garage Type	Detached
Garage Area	180 sqft
Porch	Enclosed Porch
Porch Area	739 sqft
Deck Area	176 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	365928
Street Address	5544 BUFFALO RD
City	MOUNT AIRY
State	MD
Zip	21771-8300
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	3.40 AC NE/S HARRISVILLE RD. AT BUFFALO RD.
Legal Subdivision	MILL SITE
Jurisdiction	FREDERICK MD
Township / Civil Division	18, WOODVILLE
Census Block Group	2
Census Block	2001
Census Tract	751802

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Old National Pike Milestones listed 1975 · 69 contributing resources · NRIS 75002107

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

5544 Buffalo Rd is owned and occupied by two individuals who bought it in June 2006.

Source: Frederick County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5544 BUFFALO RD, MOUNT AIRY, MD 21771-8300
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2023	Deed of Trust, Mortgage · Line of Credit APL FCU
Apr 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage MERIDIAN BANK
Dec 20, 2019	Deed of Trust, Mortgage APL FCU
Mar 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage MERIDIAN BANK
Sep 25, 2017	Deed of Trust, Mortgage · Conventional with PMI HOWARD BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2006 · Amount on File
Deed Sale	Jun 1, 2006 · Amount on File
Prior Sale	Jul 6, 1990 · Amount on File
Deed Document Number	200663732
Deed Book / Page	6043 / 60
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	5544 BUFFALO RD, MOUNT AIRY, MD 21771-8300
Transaction Type	Mortgage
Record Updated	Mar 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5544 BUFFALO RD, MOUNT AIRY, MD 21771-8300

Mortgage

Document Number	0163530382
Date	Mar 7, 2023
Book Page	16353/382

Lender

Name	APL FCU
Type	Credit Union
Address	LAUREL, MD 20723

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Mar 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	5544 BUFFALO RD, MOUNT AIRY, MD 21771-8300
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	MADISON SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0147870265
Date	Apr 19, 2021
Book Page	14787/265

Lender

Name	MERIDIAN BANK
Type	Bank
Address	BLUE BELL, PA 19422

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	355 Months
Due	Nov 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	5544 BUFFALO RD, MOUNT AIRY, MD 21771-8300
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0134130335
Date	Dec 20, 2019
Book Page	13413/0335

Lender

Name	APL FCU
Type	Credit Union
Address	LAUREL, MD 20723

Agreement

Amount	Amount on Record
Term	71 Months
Due	Nov 27, 2025

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	5544 BUFFALO RD, MOUNT AIRY, MD 21771-8300
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	MADISON SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0157700010
Date	Mar 4, 2022
Book Page	15770/10

Lender

Name	MERIDIAN BANK
Type	Bank
Address	BLUE BELL, PA 19422

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	5544 BUFFALO RD, MOUNT AIRY, MD 21771-8300
Document Number	0121170473
Book / Page	012117 / 000473
Instrument Date	Sep 25, 2017
Transaction Type	Mortgage
Record Updated	Dec 8, 2017
Title Company	MADISON SETTLEMENT SERVICES

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5544 BUFFALO RD MOUNT AIRY MD 217718300, MOUNT AIRY, MD 21771-8300

Mortgage

Document Number	0121170473
Date	Nov 6, 2017
Book Page	012117/000473

Lender

Name	HOWARD BK
Type	Bank
Address	ELLICOTT CITY, MD 21043

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 5, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 5544 Buffalo Rd was $5,378 with a homeowner's exemption.

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		$453,167	$478,300 Land $179,600 Building $298,700
2025	$5,378.00
2023	$4,637.00	$383,067	$402,900 Land $158,400 Building $244,500

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

Flood

FEMA maps place 5544 Buffalo Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 6, 2024

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 5544 Buffalo 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: Antietam Cable.

Cell Coverage

5G (outdoors only) and 4G LTE

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