9110 John Simmons St, Frederick, MD 21704 Property Records

Frederick County property record for 9110 John Simmons St, Frederick, MD 21704

Property Summary

Property Type	Exempt (Full or Partial)
Details	4.5 ba · 5,190 sqft · built 2000
Lot Size	0.294 acres (12,788 sqft)
Owner	2 Individual Names on Record
Last Sale	$915,000 (May 2024)
Tax Bill	$11,006 (2025)
Deeds & Mortgages	Apr 2026 Mortgage May 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-223455`

Property Details

APN / Parcel Number

Primary APN	`07-223455`
Alternative APNs	`7223455` `223455`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,190 sqft Gross Area
1st Floor Area	1,928 sqft
Basement Area	1,450 sqft
Finished Basement	1,450 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	12,788 sqft (0.294 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	223455
Street Address	9110 JOHN SIMMONS ST
City	FREDERICK
State	MD
Zip	21704-7817
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	PUD
Legal Description	LOT 121 SECTION K1 12,788 SQ. FT. VILLAGES OF URBANA
Legal Subdivision	VILLAGES/URBANA SEC K1
Legal Lot Number	121
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 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	9110 JOHN SIMMONS ST, FREDERICK, MD 21704-7817
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2026	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
May 9, 2024	Deed, Transfer · VA Mortgage SANDY SPRING BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2024 · Amount on Record
Deed Sale	May 9, 2024 · Amount on Record
Prior Sale	Jun 22, 2012 · Amount on Record
Deed Book / Page	16856 / 161
Prior Transfer Date	Nov 11, 2015
Prior Transfer Doc	0110550468
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Recording Date	Apr 14, 2026
Property Address	9110 JOHN SIMMONS ST, FREDERICK, MD 21704-7817
Document Number	0178170254
Book / Page	17817 / 254
Instrument Date	Feb 11, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	UNITED WHOLESALE MORTGAGE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	9110 JOHN SIMMONS ST, FREDERICK, MD 21704-7817

Mortgage

Document Number	1781000254,
Date	Apr 14, 2026
Book Page	17817/254

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.06%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 9, 2024
Property Address	9110 JOHN SIMMONS ST, FREDERICK, MD 21704-7817
Document Number	0168560161
Book / Page	16856 / 161
Map Reference	MB 65 PG 54
Instrument Date	May 3, 2024
Transaction Type	Transfer
Record Updated	May 21, 2024
Title Company	NOT AVAILABLE, ANDERSON TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1306 OYSTER COVE DR, GRASONVILLE, MD 21638-1094

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9110 JOHN SIMMONS ST, FREDERICK, MD 21704-7817

Mortgage

Document Number	0016856171
Date	May 9, 2024
Instrument	16856/171

Lender

Name	SANDY SPRING BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

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		$839,700 (+7.56%)	$898,700 (-) Land $280,000 Building $618,700
2025	$11,006.00 (+3.28%) Homeowner's exemption	$780,700 (+18.71%)	$898,700 (+24.53%) Land $280,000 Building $618,700
2024	$10,656.00 (+21.02%)
2023	$8,805.00 Homeowner's exemption	$657,633	$721,700 Land $203,800 Building $517,900

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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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