9103 John Simmons St, Frederick, MD 21704 Property Records

Frederick County property record for 9103 John Simmons St, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,749 sqft · built 2000
Lot Size	0.231 acres (10,066 sqft)
Owner	2 Individual Names on Record
Last Sale	$880,000 (Apr 2026)
Tax Bill	$9,437 (2024)
Deeds & Mortgages	Jan 2022 Mortgage Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-222947`

Property Details

APN / Parcel Number

Primary APN	`07-222947`
Alternative APNs	`7222947` `222947`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,749 sqft Living Area
Gross Area	4,349 sqft
1st Floor Area	1,616 sqft
Basement Area	873 sqft
Finished Basement	873 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,066 sqft (0.231 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Deck Area	524 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	222947
Street Address	9103 JOHN SIMMONS ST
City	FREDERICK
State	MD
Zip	21704-7818
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 2015 SECTION M2 10,066 SQ. FT. VILLAGES OF URBANA
Legal Subdivision	VILLAGES/URBANA URBANA PUD
Legal Lot Number	2015
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	2
Census Block	2000
Census Tract	752206

Owner

Source: Frederick County records, as of April 30, 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	9103 JOHN SIMMONS ST, FREDERICK, MD 21704-7818
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2022	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Apr 14, 2026	Deed, Transfer · FHA Mortgage NATIONS DIRECT MORTGAGE, LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2026 · Amount on Record
Deed Sale	Apr 14, 2026 · Amount on Record
Prior Sale	Sep 9, 2011 · Amount on Record
Deed Document Number	2026
Deed Book / Page	17818 / 129
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9103 JOHN SIMMONS ST, FREDERICK, MD 21704-7818
Transaction Type	Mortgage
Record Updated	Apr 30, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0156330213
Date	Jan 5, 2022
Book Page	15633/213

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	258 Months
Due	Jul 1, 2043

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 14, 2026
Property Address	9103 JOHN SIMMONS ST, FREDERICK, MD 21704-7818
Document Number	0178180129
Book / Page	17818 / 129
Instrument Date	Mar 31, 2026
Transaction Type	Transfer
Record Updated	May 1, 2026
Title Company	LAWYERS SIGNATURE SETTLEMENTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$888,800.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9103 JOHN SIMMONS ST, FREDERICK, MD 21704-7818

Mortgage

Document Number	1781000137,
Date	Apr 14, 2026
Book Page	17818/137

Lender

Name	NATIONS DIRECT MORTGAGE, LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

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
2025		$713,567 (+15.38%)	$818,300 (+23.76%) Land $278,200 Building $540,100
2024	$9,437.00 (+7%)
2023	$8,820.00 Homeowner's exemption	$618,433	$661,200 Land $202,500 Building $458,700

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
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 94% of the US · lower than 87% 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	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 378 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T.

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