9109 John Simmons St, Frederick, MD 21704 Property Records

Frederick County property record for 9109 John Simmons St, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,256 sqft · built 2001
Lot Size	0.258 acres (11,253 sqft)
Owner	2 Individual Names on File
Last Sale	$373,830 (Mar 2001)
Tax Bill	$9,762 (2025)
Deeds & Mortgages	Feb 2020 Line of Credit Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-223587`

Property Details

APN / Parcel Number

Primary APN	`07-223587`
Alternative APNs	`7223587` `223587`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	3,256 sqft Living Area
Gross Area	3,696 sqft
1st Floor Area	1,896 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	11,253 sqft (0.258 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	352 sqft
Deck Area	142 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	223587
Street Address	9109 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 111 SECTION K1 11,253 SQ. FT. VILLAGES OF URBANA
Legal Subdivision	VILLAGES URBANA
Legal Lot Number	111
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	2
Census Block	2000
Census Tract	752206

Owner

9109 John Simmons St is owned and occupied by two individuals who bought it in March 2001.

Source: Frederick County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	9109 JOHN SIMMONS ST, FREDERICK, MD 21704-7818
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 26, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC
Sep 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2001 · Amount on File
Deed Sale	Mar 29, 2001 · Amount on File
Prior Sale	Sep 27, 2000 · Amount on File
Deed Document Number	20011800
Deed Book / Page	2837 / 1191
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9109 JOHN SIMMONS ST, FREDERICK, MD 21704-7818
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0135480075
Date	Feb 26, 2020
Book Page	13548/75

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9109 JOHN SIMMONS ST, FREDERICK, MD 21704-7818
Document Number	0120670411
Book / Page	012067 / 000411
Instrument Date	Sep 25, 2017
Transaction Type	Mortgage
Record Updated	Nov 22, 2017
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9109 JOHN SIMMONS ST FREDERICK MD 217047818, FREDERICK, MD 21704-7818

Mortgage

Document Number	0120670411
Date	Oct 6, 2017
Book Page	012067/000411

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 5, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 9109 John Simmons St was $9,762 with a homeowner's exemption.

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		$771,033	$823,600 Land $279,000 Building $544,600
2025	$9,762.00
2023	$8,865.00 Homeowner's exemption	$622,733	$665,900 Land $203,100 Building $462,800

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

Flood

FEMA maps place 9109 John Simmons St 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
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

Wildfire risk around 9109 John Simmons St 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 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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