839 Insley Cir, Frederick, MD 21701 Property Records

Frederick County property record for 839 Insley Cir, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,120 sqft · built 1988
Lot Size	0.18 acres (7,819 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Jun 2013)
Tax Bill	$5,214 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Mar 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-145200`

Property Details

APN / Parcel Number

Primary APN	`02-145200`
Alternative APNs	`2145200` `145200`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	820 sqft
Basement Area	300 sqft
Finished Basement	300 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Split Foyer
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,819 sqft (0.18 acres)
Deck Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	145200
Street Address	839 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 58 SECT 14 7819 SQ FT FREDERICKTOWNE VILLAGE
Legal Subdivision	FREDERICKTOWNE VILLAGE
Legal Lot Number	58
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	839 INSLEY CIR, FREDERICK, MD 21701-9139
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Mar 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR
Oct 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2013 · Amount on Record
Deed Sale	Jun 25, 2013 · Amount on Record
Prior Sale	Apr 12, 2005 · Amount on Record
Deed Book / Page	9622 / 360
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	839 INSLEY CIR, FREDERICK, MD 21701-9139
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	PROPER TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0137740099
Date	Jun 1, 2020
Book Page	13774/99

Lender

Name	TRUIST BANK
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2035

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	839 INSLEY CIR, FREDERICK, MD 21701-9139
Document Number	0128810397
Instrument Date	Mar 4, 2019
Transaction Type	Mortgage
Record Updated	Apr 1, 2019
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	839 INSLEY CIR FREDERICK MD 217019139, FREDERICK, MD 21701-9139

Mortgage

Document Number	0128810397
Date	Mar 21, 2019
Book Page	012881/000397

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	839 INSLEY CIR, FREDERICK, MD 21701-9139
Document Number	0120930001
Book / Page	012093 / 000001
Instrument Date	Oct 10, 2017
Transaction Type	Mortgage
Record Updated	Nov 29, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	839 INSLEY CERCLE FREDERICK MD 21701, FREDERICK, MD 21701

Mortgage

Document Number	0120930001
Date	Oct 20, 2017
Book Page	012093/000001

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 19, 2032

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		$308,800 (+25%)	$352,200 (+22.68%) Land $154,700 Building $197,500
2025	$5,214.00 (+15.15%)
2023	$4,528.00	$247,033	$287,100 Land $110,400 Building $176,700

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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