845 Insley Cir, Frederick, MD 21701 Property Records

Frederick County property record for 845 Insley Cir, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,696 sqft · built 1987
Lot Size	0.231 acres (10,040 sqft)
Owner	2 Individual Names on Record
Last Sale	$331,000 (Jul 2019)
Tax Bill	$7,933 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-145235`

Property Details

APN / Parcel Number

Primary APN	`02-145235`
Alternative APNs	`2145235` `145235`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,296 sqft Living Area
Gross Area	2,516 sqft
1st Floor Area	976 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,040 sqft (0.231 acres)
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	56 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	145235
Street Address	845 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 61 SECT 14 10040 SQ FT FREDERICKTOWNE VILLAGE
Legal Subdivision	FREDERICKTOWNE VILLAGE
Legal Lot Number	61
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	2 Individual Names on Record
Mailing Address	845 INSLEY CIR, FREDERICK, MD 21701-9139
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2018	Deed of Trust, Mortgage · Closed-End Mortgage PENTAGON FCU
Jul 12, 2019	Deed, Transfer · Conventional Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2019 · Amount on Record
Deed Sale	Jul 12, 2019 · Amount on Record
Prior Sale	Feb 27, 2014 · Amount on Record
Deed Book / Page	13080 / 127
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	845 INSLEY CIR, FREDERICK, MD 21701-9139
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0126170195
Date	Sep 12, 2018
Book Page	12617/0195

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	ALEXANDRIA, VA 22313

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	54 Months
Due	Mar 10, 2023

July 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jul 12, 2019
Property Address	845 INSLEY CIR, FREDERICK, MD 21701-9139
Document Number	0130800127
Book / Page	13080 / 0127
Map Reference	MB 33 PG 67
Instrument Date	May 31, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	JDM TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$827.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	845 INSLEY CIR, FREDERICK, MD 21701-9139

Mortgage

Document Number	0130800136
Date	Jul 12, 2019
Instrument	13080/0136

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

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		$445,367 (+24.89%)	$476,500 (+10.87%) Land $158,400 Building $318,100
2025	$7,933.00 (+22.08%)
2023	$6,498.00	$356,600	$429,800 Land $110,700 Building $319,100

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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