840 Insley Cir, Frederick, MD 21701 Property Records

Frederick County property record for 840 Insley Cir, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,418 sqft · built 1987
Lot Size	0.158 acres (6,900 sqft)
Owner	2 Individual Names on File
Last Sale	$443,000 (Aug 2024)
Tax Bill	$5,869 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Jul 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-145073`

Property Details

APN / Parcel Number

Primary APN	`02-145073`
Alternative APNs	`2145073` `145073`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,418 sqft Living Area
1st Floor Area	768 sqft
Basement Area	650 sqft
Finished Basement	650 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Split Foyer
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,900 sqft (0.158 acres)
Deck Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	145073
Street Address	840 INSLEY CIR
City	FREDERICK
State	MD
Zip	21701-9132
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PND
Legal Description	LOT 41 SECT 14 6900 SQ FT FREDERICKTOWNE VILLAGE
Legal Subdivision	FREDERICKTOWNE VILLAGE
Legal Block	1
Legal Lot Number	41
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

840 Insley Cir is owned and occupied by two individuals who bought it in August 2024.

Source: Frederick County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	840 INSLEY CIR, FREDERICK, MD 21701-9132
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 16, 2023	Deed, Transfer · Conventional Mortgage SANDY SPRING BANK
Jul 29, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jan 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Dec 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BK
Mar 23, 2017	Deed, Transfer · Conventional Mortgage MCLEAN MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2024 · Amount on File
Deed Sale	Aug 15, 2024 · Amount on File
Prior Sale	Feb 16, 2023 · Amount on File
Deed Book / Page	16984 / 296
Prior Transfer Date	Feb 11, 2016
Prior Transfer Doc	0110920449
Record Updated	Oct 29, 2026

February 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Feb 16, 2023
Property Address	840 INSLEY CIR, FREDERICK, MD 21701-9132
Document Number	0163330176
Book / Page	16333 / 176
Map Reference	MB 33 PG 67
Instrument Date	Feb 13, 2023
Transaction Type	Transfer
Record Updated	Mar 3, 2023
Title Company	KVS TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	840 INSLEY CIR, FREDERICK, MD 21701-9132

Mortgage

Document Number	0016333182
Date	Feb 16, 2023
Instrument	16333/182

Lender

Name	SANDY SPRING BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	840 INSLEY CIR, FREDERICK, MD 21701-9132
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 INSLEY CIR, FREDERICK, MD 21701-9132

Mortgage

Document Number	0160570084
Date	Jul 29, 2022
Book Page	16057/84

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jul 28, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	840 INSLEY CIR, FREDERICK, MD 21701-9132
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHOICE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0134490106
Date	Jan 8, 2020
Book Page	13449/0106

Lender

Name	TRUIST BANK
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	840 INSLEY CIR, FREDERICK, MD 21701-9132
Document Number	0144100187
Instrument Date	Dec 10, 2020
Transaction Type	Mortgage
Record Updated	Feb 23, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 INSLEY CIR FREDERICK MD 217019132, FREDERICK, MD 21701-9132

Mortgage

Document Number	0144100187
Date	Jan 4, 2021
Book Page	014410/000187

Lender

Name	TRUIST BK
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 3, 2051

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 23, 2017
Property Address	840 INSLEY CIR, FREDERICK, MD 21701-9132
Document Number	0117290210
Book / Page	11729 / 0210
Map Reference	MB33 PG67
Instrument Date	Mar 6, 2017
Instrument	11729-0210
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	DOUBLE EAFLE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5181 DUKE CT, 5181, FREDERICK, MD 21703-2854

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 INSLEY CIR, FREDERICK, MD 21701-9132

Mortgage

Document Number	117290217
Date	Mar 23, 2017
Instrument	11729-0217

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 840 Insley Cir was $5,869, up 10.3% from the year before.

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		$342,000 (+7.99%)	$392,600 (+23.97%) Land $153,100 Building $239,500
2025	$5,869.00 (+10.3%)	$316,700 Land $110,200 Building $206,500	$316,700 Land $110,200 Building $206,500
2024	$5,321.00 (+7.13%)
2023	$4,967.00 Homeowner's exemption	$271,433	$316,700 Land $110,200 Building $206,500

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

Flood

FEMA maps place 840 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

Wildfire risk around 840 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.

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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