2801 Sumantown Rd, Middletown, MD 21769 Property Records

Frederick County property record for 2801 Sumantown Rd, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,680 sqft · built 2023
Lot Size	2.76 acres (120,661 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,754 (2025)
Deeds & Mortgages	May 2023 Construction Loan Apr 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-605171`

Property Details

APN / Parcel Number

Primary APN	`22-605171`
Alternative APN	`605171`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,680 sqft Living Area
1st Floor Area	1,680 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	120,661 sqft
Porch	Open Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	605171
Street Address	2801 SUMANTOWN RD
City	MIDDLETOWN
State	MD
Zip	21769-6504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 SECTION 1 1.50 ACRES BOYERS FARM
Legal Subdivision	BOYERS FARM SEC 1
Legal Lot Number	1
Jurisdiction	FREDERICK MD
Township / Civil Division	22, BURKITTSVILLE
Census Block Group	1
Census Block	1022
Census Tract	752501

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	2801 SUMANTOWN RD, MIDDLETOWN, MD 21769-6504
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 4, 2023	Deed of Trust, Mortgage · Construction Mortgage PRESIDENTIAL BANK FSB
Apr 6, 2026	Deed, Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB
Apr 6, 2026	Deed, Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB
Feb 15, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2801 SUMANTOWN RD, MIDDLETOWN, MD 21769-6504
Transaction Type	Mortgage
Record Updated	Apr 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2801 SUMANTOWN RD, MIDDLETOWN, MD 21769-6504

Mortgage

Document Number	0164260408
Date	May 4, 2023
Book Page	16426/408

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank
Address	BETHESDA, MD 20814

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	May 1, 2030
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	12.2%
Index	1-Year T-Bill
Max Rate	12.2%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 6, 2026
Property Address	2801 SUMANTOWN RD, MIDDLETOWN, MD 21769-6504
Document Number	1780000259
Book / Page	17804 / 259
Instrument Date	Mar 24, 2026
Transaction Type	Transfer
Record Updated	Apr 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
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 by the Entirety
Address	2801 SUMANTOWN RD, MIDDLETOWN, MD 21769-6504

Mortgage

Document Number	1780000263,
Date	Apr 6, 2026
Book Page	17804/263

Lender

Name	PRESIDENTIAL BANK FSB

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 6, 2026
Property Address	2801 SUMANTOWN RD, MIDDLETOWN, MD 21769-6504
Document Number	0178040259
Book / Page	17804 / 259
Instrument Date	Mar 24, 2026
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
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 by the Entirety
Address	2801 SUMANTOWN RD, MIDDLETOWN, MD 21769-6504

Mortgage

Document Number	1780000263,
Date	Apr 6, 2026
Book Page	17804/263

Lender

Name	PRESIDENTIAL BANK FSB

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Feb 15, 2023
Property Address	2801 SUMANTOWN RD, MIDDLETOWN, MD 21769-6504
Document Number	0163310385
Book / Page	16331 / 385
Map Reference	MB 108 PG 109
Instrument Date	Jan 30, 2023
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	2635 SUMANTOWN RD, MIDDLETOWN, MD 21769-6512

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		$501,800 (+9.38%) Land $115,000 Building $386,800	$501,800 (-) Land $115,000 Building $386,800
2025	$5,754.00 (+11.04%)	$458,767	$501,800 Land $115,000 Building $386,800
2024	$5,182.00

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	3 in force
Nearby Flood Claims	2 (2018)
Most Recent Claim	May 2018 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2018 · 2 claims

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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
Verizon Fixed Wireless	25 / 6

May also be available: AT&T, EarthLink Business, MN FWA Buyer, Xfinity.

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