Frederick County property record for 837 Insley Cir, Frederick, MD 21701
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,490 sqft · built 1988 |
| Lot Size | 0.185 acres (8,043 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $180,000 (Jul 2013) |
| Tax Bill | $5,313 (2025) |
| Deeds & Mortgages | May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-145197 |
| Primary APN | 02-145197 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,490 sqft Living Area |
| Gross Area | 1,682 sqft |
| 1st Floor Area | 1,090 sqft |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Split Foyer |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 8,043 sqft (0.185 acres) |
| Deck Area | Deck Area |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 145197 |
|---|---|
| Street Address | 837 INSLEY CIR |
| City | FREDERICK |
| State | MD |
| Zip | 21701-9139 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PND |
| Legal Description | LOT 57 SECT 14 8043 SQ FT FREDERICKTOWNE VILLAGE |
| Legal Subdivision | FREDERICKTOWNE VILLAGE |
| Legal Lot Number | 57 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 750805 |
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.
837 Insley Cir is owned and occupied by two individuals who bought it in July 2013.
Source: Frederick County records, as of August 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 837 INSLEY CIR, FREDERICK, MD 21701-9139 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 18, 2013 · Amount on File |
| Deed Sale | Jul 18, 2013 · Amount on File |
| Prior Sale | Aug 8, 2005 · Amount on File |
| Deed Book / Page | 9663 / 196 |
| Transfer Doc | 0052190434 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 837 INSLEY CIR, FREDERICK, MD 21701-9139 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | GPN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0137270098 |
|---|---|
| Date | May 12, 2020 |
| Book Page | 13727/98 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 1, 2035 |
The 2025 property tax bill for 837 Insley Cir was $5,313 with a homeowner's exemption, up 4.7% from the year before.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $338,967 (+8.54%) | $392,300 (+25.62%) Land $155,000 Building $237,300 | |
| 2025 | $5,313.00 (+4.67%) Homeowner's exemption | $312,300 Land $110,400 Building $201,900 | $312,300 Land $110,400 Building $201,900 |
| 2024 | $5,076.00 (+7.13%) | ||
| 2023 | $4,738.00 Homeowner's exemption | $267,967 | $312,300 Land $110,400 Building $201,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 837 Insley Cir in Zone X, an area of minimal flood risk.
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 risk around 837 Insley Cir is low, with less than 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 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.
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 |
| 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.
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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