16645 Frederick Rd, Mount Airy, MD 21771 Property Records

Howard County property record for 16645 Frederick Rd, Mount Airy, MD 21771

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,240 sqft · built 1924
Lot Size	3.7 acres (161,172 sqft)
Owner	Individual Name on File
Last Sale	$925,000 (Jun 2026)
Tax Bill	$7,912 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-323777`

Property Details

APN / Parcel Number

Primary APN	`04-323777`
Alternative APNs	`4323777` `323777`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,240 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	161,172 sqft (3.7 acres)
Garage Type	Detached
Garage Area	3,096 sqft
Parking Spaces	10 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	512 sqft
Porch	Slab
Porch Area	376 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	323777
Street Address	16645 FREDERICK RD
City	MOUNT AIRY
State	MD
Zip	21771-3311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RCDEO
Legal Description	3.7089 A 16645 FREDERICK RD WATERSVILLE ROAD
Legal Subdivision	VILLAGE POPLAR SPGS
Jurisdiction	HOWARD MD
Township / Civil Division	4, LISBON
Census Block Group	3
Census Block	3002
Census Tract	604001

Owner

Source: Howard County records · APN 04-323777

Assessment roll updated August 4, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	16645 FREDERICK RD, MOUNT AIRY, MD 21771-3311
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2026	Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORPORATION
Jun 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC
Jul 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERIHOME MORTGAGE COMPANY LLC
May 17, 2018	Deed, Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 15, 2026 · Amount on Record
Deed Sale	Jun 15, 2026 · Amount on Record
Prior Sale	May 17, 2018 · Amount on Record
Deed Document Number	2026
Deed Book / Page	23278 / 326
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Jun 15, 2026
Property Address	16645 FREDERICK RD, MOUNT AIRY, MD 21771-3311
Document Number	2327000326
Book / Page	23278 / 326
Instrument Date	May 28, 2026
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$934,250.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16645 FREDERICK RD, MOUNT AIRY, MD 21771-3311

Mortgage

Document Number	2327000335,
Date	Jun 15, 2026
Book Page	23278/335

Lender

Name	SWBC MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	16645 FREDERICK RD, MOUNT AIRY, MD 21771-3311
Transaction Type	Mortgage
Record Updated	May 03, 2022
Title Company	RESEARCH TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16645 FREDERICK RD, MOUNT AIRY, MD 21771-3311

Mortgage

Document Number	0206630393
Date	Jun 28, 2021
Book Page	20663/393

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	16645 FREDERICK RD, MOUNT AIRY, MD 21771-3311
Transaction Type	Mortgage
Record Updated	May 03, 2022
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0187900002
Date	Jul 26, 2019
Book Page	18790/002

Lender

Name	AMERIHOME MORTGAGE COMPANY LLC
Type	Mortgage Company
Address	THOUSAND OAKS, CA 91362

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2049

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	May 17, 2018
Property Address	16645 FREDERICK RD, MOUNT AIRY, MD 21771-3311
Document Number	0181800421
Book / Page	18180 / 421
Instrument Date	May 07, 2018
Transaction Type	Transfer
Record Updated	May 03, 2022
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	16645 FREDERICK RD, MOUNT AIRY, MD 21771-3311

Mortgage

Document Number	0018180432
Date	May 17, 2018
Instrument	18180/432

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2048

Tax Assessment & Valuation

Source: Howard County records · Assessment roll updated August 4, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$572,000 (+7.04%)	$647,200 (+21.11%) Land $331,400 Building $315,800
2025	$7,912.00 (+56.92%)	$534,400 (+12.11%) Land $236,400 Building $298,000	$534,400 (-) Land $236,400 Building $298,000
2023		$476,667	$534,400 Land $236,400 Building $298,000
2022	$5,042.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 31, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1999)
Most Recent Claim	Sep 1999 · other causes

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 38 locations within half a mile of this property.

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