9331 Elgin Ln, Frederick, MD 21704 Property Records

Frederick County property record for 9331 Elgin Ln, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 5,332 sqft · built 2004
Lot Size	0.243 acres (10,579 sqft)
Owner	2 Individual Names on Record
Last Sale	$656,000 (Aug 2017)
Tax Bill	$12,044 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-235569`

Property Details

APN / Parcel Number

Primary APN	`07-235569`
Alternative APN	`235569`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,332 sqft Living Area
Gross Area	5,772 sqft
1st Floor Area	2,224 sqft
Basement Area	1,500 sqft
Finished Basement	1,500 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,579 sqft (0.243 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	380 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	235569
Street Address	9331 ELGIN LN
City	FREDERICK
State	MD
Zip	21704-7004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 9019 SECTION M9A 10,579 SQ. FT. VILLAGES OF URBANA
Legal Subdivision	VILLAGES URBANA
Legal Lot Number	9019
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	1
Census Block	1010
Census Tract	752202

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	9331 ELGIN LN, FREDERICK, MD 21704-7004
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Jan 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTY HM MTG CORP
Aug 16, 2017	Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2017 · Amount on Record
Deed Sale	Aug 16, 2017 · Amount on Record
Prior Sale	Feb 20, 2004 · Amount on Record
Deed Document Number	201711982-0320
Deed Book / Page	11982 / 320
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9331 ELGIN LN, FREDERICK, MD 21704-7004
Transaction Type	Mortgage
Record Updated	May 7, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 WEST ELM STRET #450 450, 450, CONSHOHOCKEN, PA 19428-4152

Mortgage

Document Number	0177890038
Date	Mar 30, 2026
Book Page	17789/38

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2046

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	9331 ELGIN LN, FREDERICK, MD 21704-7004
Document Number	0144840354
Instrument Date	Jan 13, 2021
Transaction Type	Mortgage
Record Updated	Feb 12, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9331 ELGIN LN FREDERICK MD 217047004, FREDERICK, MD 21704-7004

Mortgage

Document Number	0144840354
Date	Jan 22, 2021
Book Page	014484/000354

Lender

Name	GUARANTY HM MTG CORP
Address	MURFREESBORO, TN 37129

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 21, 2051

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 16, 2017
Property Address	9331 ELGIN LN, FREDERICK, MD 21704-7004
Document Number	0119820320
Book / Page	11982 / 0320
Map Reference	MB73 PL20
Instrument Date	Aug 14, 2017
Instrument	11982-0320
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,870.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9331 ELGIN LN, FREDERICK, MD 21704-7004

Mortgage

Document Number	119820327
Date	Aug 16, 2017
Instrument	11982-0327

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 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		$904,467 (+7.06%)	$964,100 (-) Land $278,600 Building $685,500
2025	$12,044.00 (+5.42%)	$844,833 (+15.54%)	$964,100 (+22.78%) Land $278,600 Building $685,500
2024	$11,425.00 (+9.13%)
2023	$10,469.00	$731,200	$785,200 Land $202,700 Building $582,500

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 97% of the US · lower than 94% 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 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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