3038 Jacobs Garden Ln, Frederick, MD 21701 Property Records

Frederick County property record for 3038 Jacobs Garden Ln, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,853 sqft · built 2018
Lot Size	0.058 acres (2,520 sqft)
Owner	2 Individual Names on Record
Last Sale	$495,900 (Jan 2021)
Tax Bill	$9,724 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Jan 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`02-594625`

Property Details

APN / Parcel Number

Primary APN	`02-594625`
Alternative APN	`594625`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,853 sqft Living Area
1st Floor Area	1,181 sqft
Basement Area	500 sqft
Finished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,520 sqft (0.058 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Patio Area	288 sqft
Balcony Area	428 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	594625
Street Address	3038 JACOBS GARDEN LN
City	FREDERICK
State	MD
Zip	21701-3384
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 473 PLAT 22 SECT 2,520 SQ FT MILL ISLAND AT WORMANS
Legal Subdivision	OO&CCC MILL ISLAND
Legal Lot Number	473
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1011
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

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	11806 KIGGER JACK LN, CLARKSBURG, MD 20871-9320
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2018	Deed of Trust, Mortgage M & T BANK
Jan 28, 2021	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2021 · Amount on Record
Deed Sale	Jan 28, 2021 · Amount on Record
Deed Book / Page	14494 / 381
Record Updated	Sep 20, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3038 JACOBS GARDEN LN, FREDERICK, MD 21701-3384
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0122270068
Date	Jan 10, 2018
Book Page	12227/0068
Instrument	12227-0068

Lender

Name	M & T BANK
Type	Bank
Address	00000

Agreement

Amount	Amount Recorded

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 28, 2021
Property Address	3038 JACOBS GARDEN LN, FREDERICK, MD 21701-3384
Document Number	0144940381
Book / Page	014494 / 000381
Instrument Date	Jan 5, 2021
Transaction Type	Transfer
Record Updated	Mar 22, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$496.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3038 JACOBS GARDEN LN FREDERICK MD 217013384, FREDERICK, MD 21701-3384

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

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
2026		$545,400 (+23.53%)	$580,400 (+9.95%) Land $130,000 Building $450,400
2025	$9,724.00 (+21.19%)
2023	$8,024.00	$441,500	$527,900 Land $90,000 Building $437,900

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	12 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	Not rated no burnable land within 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 598 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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