2204 Garden Ln, Frederick, MD 21701 Property Records

Frederick County property record for 2204 Garden Ln, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	4 ba · 1,864 sqft · built 2000
Lot Size	0.059 acres (2,572 sqft)
Owner	Individual Name on File
Last Sale	$565,000 (Feb 2026)
Tax Bill	$7,734 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-226340`

Property Details

APN / Parcel Number

Primary APN	`02-226340`
Alternative APNs	`2226340` `226340`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,864 sqft Total Area
1st Floor Area	956 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Architectural Style	Townhouse
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,572 sqft
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Patio Area	256 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	226340
Old Parcel Number	2226340
Street Address	2204 GARDEN LN
City	FREDERICK
State	MD
Zip	21701-3291
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PND
Legal Description	LOT 90 SECTION 3 PL 16 BLK S-2572 SQ FT WORMAN'S MILL
Legal Subdivision	WORMANS MILL
Legal Block	S
Legal Lot Number	90
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	4
Census Block	4022
Census Tract	750802

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Old National Pike Milestones listed 1975 · 69 contributing resources · NRIS 75002107

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

2204 Garden Ln, a townhouse, is owned and occupied by an individual who bought it in February 2026.

Source: Frederick County records, as of February 16, 2026

Owner of Record	Individual Name on File
Mailing Address	2204 GARDEN LN, FREDERICK, MD 21701-3291
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 3, 2026	Deed, Transfer · VA Mortgage PROSPERITY HOME MORTGAGE LLC
Sep 25, 2019	Deed, Transfer · Conventional Mortgage GEORGE MASON MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2026 · Amount on File
Deed Sale	Feb 3, 2026 · Amount on File
Prior Sale	Dec 13, 2024 · Amount on File
Deed Document Number	0017706349
Deed Book / Page	17706 / 349
Record Updated	Jun 8, 2026

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Feb 3, 2026
Property Address	2204 GARDEN LN, FREDERICK, MD 21701-3291
Document Number	0177060349
Book / Page	17706 / 349
Map Reference	MB 65 PL 192
Instrument Date	Dec 19, 2025
Transaction Type	Transfer
Record Updated	Feb 17, 2026
Title Company	REGAL TITLE AGENCY, REALM TITLE AGENCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,825.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	2204 GARDEN LN, FREDERICK, MD 21701-3291

Mortgage

Document Number	0017706356
Date	Feb 3, 2026
Instrument	17706/356

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2056

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 25, 2019
Property Address	2204 GARDEN LN, FREDERICK, MD 21701-3291
Document Number	0132330421
Book / Page	13233 / 0421
Map Reference	MB 65 PL 192
Instrument Date	Sep 16, 2019
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,612.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	2204 GARDEN LN, FREDERICK, MD 21701-3291

Mortgage

Document Number	132330427
Date	Sep 25, 2019
Instrument	13233/0427

Lender

Name	GEORGE MASON MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2204 Garden Ln was $7,734.

Source: Frederick County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Municipality	Frederick City
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,734.00	$418,900 Land $90,000 Building $328,900	$418,900 Land $90,000 Building $328,900
2023	$5,720.00 Homeowner's exemption	$337,967	$418,900 Land $90,000 Building $328,900

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

Flood

FEMA maps place 2204 Garden Ln 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 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 2204 Garden Ln 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 99.1% of the US · lower than 98.5% 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	CITY OF FREDERICK serves 54,000 people · EPA ID MD0100015
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	1 ppb (2019–2021) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 471 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, Verizon.

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