3 Fink Ln, Middletown, MD 21769 Property Records

Frederick County property record for 3 Fink Ln, Middletown, MD 21769 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,005 sqft · built 2018
Lot Size	0.145 acres (6,305 sqft)
Owner	Individual Name on File
Last Sale	$442,560 (Aug 2018)
Tax Bill	$6,413 (2024)
Deeds & Mortgages	Oct 2023 Mortgage Aug 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-592905`

Property Details

APN / Parcel Number

Primary APN	`03-592905`
Alternative APN	`592905`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,005 sqft Living Area
Gross Area	3,446 sqft
1st Floor Area	1,486 sqft
Basement Area	550 sqft
Finished Basement	550 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,305 sqft (0.145 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	592905
Street Address	3 FINK LN
City	MIDDLETOWN
State	MD
Zip	21769-7967
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 6,305 SQ FT COBLENTZ PROPERTY
Legal Subdivision	GAVER WAY INGALLS DRIVE
Legal Lot Number	9
Jurisdiction	FREDERICK MD
Township / Civil Division	3, MIDDLETOWN
Census Block Group	1
Census Block	1016
Census Tract	752601

Owner

Source: Frederick County records · APN 03-592905

Assessment roll updated August 4, 2025 · Last verified April 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	3 FINK LN, MIDDLETOWN, MD 21769-7967
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage BANK-FUND STAFF FCU
Aug 17, 2018	Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC
Apr 06, 2018	Grant Deed, Transfer NVR SETTLEMENT SERVICES INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 17, 2018 · Amount on Record
Deed Sale	Aug 17, 2018 · Amount on Record
Prior Sale	Apr 06, 2018 · Amount on Record
Deed Book / Page	12579 / 233
Last Transfer Date	Oct 13, 2023
Transfer Doc	0166400024
Record Updated	Jun 08, 2026

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Oct 18, 2023
Property Address	3 FINK LN, MIDDLETOWN, MD 21769-7967
Document Number	0166400024
Book / Page	16640 / 24
Map Reference	MB 96 PL 197&198
Instrument Date	Oct 13, 2023
Transaction Type	Transfer
Record Updated	Nov 01, 2023
Title Company	ACCOMODATION, ACCOMMODATION

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
Address	3 FINK LN, MIDDLETOWN, MD 21769-7967

Mortgage

Document Number	0001664028
Date	Oct 18, 2023
Instrument	16640/28

Lender

Name	BANK-FUND STAFF FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2053

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 17, 2018
Property Address	3 FINK LN, MIDDLETOWN, MD 21769-7967
Document Number	0125790233
Book / Page	12579 / 0233
Map Reference	MB96 PL197&198
Instrument Date	Aug 08, 2018
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	NVR SETTLEMENT SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,212.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4991 NEW DESIGN RD, 4991, FREDERICK, MD 21703-7113

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3 FINK LN, MIDDLETOWN, MD 21769-7967

Mortgage

Document Number	0012579239
Date	Aug 17, 2018
Instrument	12579/239

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

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

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 06, 2018
Property Address	3 FINK LN, MIDDLETOWN, MD 21769-7967
Document Number	0123530096
Book / Page	012353 / 000096
Instrument Date	Mar 27, 2018
Transaction Type	Transfer
Record Updated	Apr 13, 2018
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount Recorded
Tax	$798.25
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4991 NEW DESIGN RD FREDERICK MD 217037113, FREDERICK, MD 21703-7113
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Municipality	Middletown Town
Unified School District	Frederick 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
2025		$520,900 (+24.83%)	$572,700 (+37.24%) Land $131,800 Building $440,900
2024	$6,413.00 (+7.85%)
2023	$5,946.00 Homeowner's exemption	$417,300 Land $131,300 Building $286,000	$417,300 Land $131,300 Building $286,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217526011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1988–2018)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jul 2018, river or lake flooding

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 10,000 per year
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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic District	Within the Middletown Historic District listed 2003 · 346 contributing resources · NRIS 03001334
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 152 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Shenandoah Telecommunications Company	Fiber	8,000 / 8,000
Xfinity	Cable	2,000 / 250
AT&T	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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