836 Insley Cir, Frederick, MD 21701 Property Records

Frederick County property record for 836 Insley Cir, Frederick, MD 21701

Property Summary

Property Type	Exempt (Full or Partial)
Details	3 ba · 1,600 sqft · built 1987
Lot Size	0.174 acres (7,596 sqft)
Owner	Individual Name on Record
Last Sale	$327,500 (Jun 2019)
Tax Bill	$88 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jan 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-145103`

Property Details

APN / Parcel Number

Primary APN	`02-145103`
Alternative APNs	`2145103` `145103`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	1,600 sqft Gross Area
1st Floor Area	1,080 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Split Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,596 sqft (0.174 acres)
Pool Area	630 sqft
Deck Area	280 sqft
Patio Area	880 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	145103
Street Address	836 INSLEY CIR
City	FREDERICK
State	MD
Zip	21701-9132
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	PND
Legal Description	LOT 43 SECT 14 7596 SQ FT FREDERICKTOWNE VILLAGE
Legal Subdivision	FREDERICKTOWNE VILLAGE
Legal Lot Number	43
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1015
Census Tract	750805

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

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	836 INSLEY CIR, FREDERICK, MD 21701-9132
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL
Jan 7, 2026	Deed of Trust, Mortgage · VA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Apr 28, 2022	Intrafamily Transfer, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jun 27, 2019	Grant Deed, Transfer · VA Mortgage NAVY FCU
Dec 9, 2016	Deed of Trust, Mortgage CLEARPATH LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2019 · Amount on Record
Deed Sale	Jun 27, 2019 · Amount on Record
Prior Sale	Jul 20, 2016 · Amount on Record
Deed Book / Page	13058 / 384
Last Transfer Date	Apr 14, 2022
Transfer Doc	0158880480
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Recording Date	Jul 10, 2026
Property Address	836 INSLEY CIR, FREDERICK, MD 21701-9132
Document Number	1795000450
Book / Page	17950 / 450
Instrument Date	Jul 1, 2026
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	MILESTONE SETTLEMENT LLC, MILESTONE SETTLEMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	836 INSLEY CIR, FREDERICK, MD 21701-9132

Mortgage

Document Number	1795000450,
Date	Jul 10, 2026
Book Page	17950/450

Lender

Name	VILLAGE CAPITAL

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.48%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	836 INSLEY CIR, FREDERICK, MD 21701-9132
Transaction Type	Mortgage
Record Updated	Jan 22, 2026
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	836 INSLEY CIR, FREDERICK, MD 21701-9132

Mortgage

Document Number	0176750316
Date	Jan 7, 2026
Book Page	17675/316

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	TROY, MI 48098

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Nov 1, 2055

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Apr 28, 2022
Property Address	836 INSLEY CIR, FREDERICK, MD 21701-9132
Document Number	0158880480
Book / Page	15888 / 480
Map Reference	MB 33 PG 67
Instrument Date	Apr 14, 2022
Transaction Type	Transfer
Record Updated	Sep 27, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	836 INSLEY CIR, FREDERICK, MD 21701-9132

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	836 INSLEY CIR, FREDERICK, MD 21701-9132

Mortgage

Document Number	0015888487
Date	Apr 28, 2022
Instrument	15888/487

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 27, 2019
Property Address	836 INSLEY CIR, FREDERICK, MD 21701-9132
Document Number	0130580384
Book / Page	013058 / 000384
Instrument Date	Jun 18, 2019
Transaction Type	Transfer
Record Updated	Jul 11, 2019
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$327.50
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	836 INSLEY CIR FREDERICK MD 217019132, FREDERICK, MD 21701-9132

Mortgage

Document Number	130580393
Date	Jun 27, 2019
Book Page	013058/000393

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 26, 2049

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	836 INSLEY CIR, FREDERICK, MD 21701-9132
Document Number	0116840505
Instrument Date	Dec 9, 2016
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	836 INSLEY CIR FREDERICK MD 217019132, FREDERICK, MD 21701-9132

Mortgage

Document Number	0116840505
Date	Feb 24, 2017
Book Page	011684/000505

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 23, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$417,100 (+6.27%)	$466,300 (+18.8%) Land $154,300 Building $312,000
2025	$88.00 (-5%)	$392,500 (+17.41%) Land $110,300 Building $282,200	$392,500 (-) Land $110,300 Building $282,200
2024	$176.00 (+1%)
2023	$88.00 Disabled Person's exemption Veteran's exemption	$334,300	$392,500 Land $110,300 Building $282,200

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force

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 97% of the US · lower than 94% of Maryland
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF FREDERICK serves 54,000 people · EPA ID MD0100015
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	1 ppb (2019–2021) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Glo Fiber, Verizon.

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