9050 Major Smith Ln, Frederick, MD 21704 Property Records

Frederick County property record for 9050 Major Smith Ln, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,616 sqft · built 2001
Lot Size	0.336 acres (14,616 sqft)
Owner	2 Individual Names on Record
Last Sale	$349,220 (Feb 2001)
Tax Bill	$10,115 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Feb 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`07-222785`

Property Details

APN / Parcel Number

Primary APN	`07-222785`
Alternative APNs	`7222785` `222785`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,616 sqft Living Area
Gross Area	4,296 sqft
1st Floor Area	2,106 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	14,616 sqft (0.336 acres)
Garage Type	Attached
Garage Area	680 sqft
Parking Spaces	2 Parking Spaces
Deck Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	222785
Street Address	9050 MAJOR SMITH LN
City	FREDERICK
State	MD
Zip	21704-7830
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 5046 SECTION M5 14,616 SQ. FT. VILLAGES OF URBANA
Legal Subdivision	VILLAGES URBANA
Legal Lot Number	5046
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	4
Census Block	4014
Census Tract	752206

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	9050 MAJOR SMITH LN, FREDERICK, MD 21704-7830
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Deed of Trust, Mortgage · Line of Credit CHARTWAY FEDERAL CREDIT UNION
Feb 19, 2021	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
May 26, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Jun 2, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Oct 13, 2017	Deed of Trust, Mortgage · VA Mortgage STEARNS LNDG
Jan 23, 2017	Deed of Trust, Mortgage · VA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2001 · Amount on Record
Deed Sale	Feb 16, 2001 · Amount on Record
Deed Document Number	2001948
Deed Book / Page	2816 / 28
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Recording Date	Jul 31, 2026
Property Address	9050 MAJOR SMITH LN, FREDERICK, MD 21704-7830
Document Number	1798000057
Book / Page	17985 / 57
Instrument Date	Jun 24, 2026
Transaction Type	Mortgage
Record Updated	Aug 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	9050 MAJOR SMITH LN, FREDERICK, MD 21704-7830

Mortgage

Document Number	1798000057,
Date	Jul 31, 2026
Book Page	17985/57

Lender

Name	CHARTWAY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9050 MAJOR SMITH LN, FREDERICK, MD 21704-7830
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0145640378
Date	Feb 19, 2021
Book Page	14564/378

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Nov 1, 2050

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9050 MAJOR SMITH LN, FREDERICK, MD 21704-7830
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0149270120
Date	May 26, 2021
Book Page	14927/120

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	PHILADELPHIA, PA 19104

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Apr 1, 2031

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9050 MAJOR SMITH LN, FREDERICK, MD 21704-7830
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0159560154
Date	Jun 2, 2022
Book Page	15956/154

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	PHILADELPHIA, PA 19104

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2037

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9050 MAJOR SMITH LN, FREDERICK, MD 21704-7830
Document Number	0120950006
Book / Page	012095 / 000006
Instrument Date	Oct 13, 2017
Transaction Type	Mortgage
Record Updated	Dec 8, 2017
Title Company	PINNACLE TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9050 MAJOR SMITH LN FREDERICK MD 217047830, FREDERICK, MD 21704-7830

Mortgage

Document Number	0120950006
Date	Oct 23, 2017
Book Page	012095/000006

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 22, 2047

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9050 MAJOR SMITH LN, FREDERICK, MD 21704-7830
Document Number	0116460001
Book / Page	011646 / 000001
Instrument Date	Jan 23, 2017
Transaction Type	Mortgage
Record Updated	May 4, 2017
Title Company	PINNACLE TITLE AND ESCROW, PINNACLE TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9050 MAJOR SMITH LN FREDERICK MD 217047830, FREDERICK, MD 21704-7830

Mortgage

Document Number	0116460001
Date	Feb 1, 2017
Book Page	011646/000001

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 31, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$806,167 (+23.75%)	$860,600 (+23.42%) Land $281,200 Building $579,400
2025	$10,115.00 (+10.29%)
2023	$9,171.00 Homeowner's exemption	$651,467	$697,300 Land $204,800 Building $492,500

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
Nearby Flood Policies	1 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 98% of the US · lower than 96% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	NEW DESIGN - FREDERICK COUNTY serves 74,911 people · EPA ID MD0100030
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	3 ppb (2019) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 653 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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