3045 Jacobs Garden Ln, Frederick, MD 21701 Property Records

Frederick County property record for 3045 Jacobs Garden Ln, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	4 ba · 1,920 sqft · built 2017
Lot Size	0.05 acres (2,220 sqft)
Owner	Individual Name on File
Last Sale	$443,395 (Mar 2018)
Tax Bill	$7,496 (2023)
Deeds & Mortgages	Mar 2018 Sale & Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-590518`

Property Details

APN / Parcel Number

Primary APN	`02-590518`
Alternative APN	`590518`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,920 sqft Total Area
Basement Area	1,500 sqft
Finished Basement	1,500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Architectural Style	Townhouse
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,220 sqft (0.05 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Balcony	Balcony
Balcony Area	500 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	590518
Street Address	3045 JACOBS GARDEN LN
City	FREDERICK
State	MD
Zip	21701-3325
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 523 PLAT 23 SECT 2,220 SQ FT MILL ISLAND AT WORMANS M
Legal Subdivision	MILL ISLAND/WORMANS MILL
Legal Lot Number	523
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

3045 Jacobs Garden Ln, a townhouse, is owned and occupied by an individual who bought it in March 2018.

Source: Frederick County records, as of September 25, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3045 JACOBS GARDEN LN, FREDERICK, MD 21701-3325
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
Mar 29, 2018	Deed, Transfer · Conventional Mortgage GEORGE MASON MORTGAGE LLC
Sep 7, 2017	Grant Deed, Subdivision Related Transfer · Conventional with PMI ACADEMY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2018 · Amount on File
Deed Sale	Mar 29, 2018 · Amount on File
Deed Document Number	0012338263
Deed Book / Page	12338 / 263
Record Updated	Jun 7, 2026

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 29, 2018
Property Address	3045 JACOBS GARDEN LN, FREDERICK, MD 21701-3325
Document Number	0123380263
Book / Page	12338 / 0263
Map Reference	MB93 PL183
Instrument Date	Mar 20, 2018
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,108.49
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	3045 JACOBS GARDEN LN, FREDERICK, MD 21701-3325

Mortgage

Document Number	0123380272
Date	Mar 29, 2018
Book Page	12338/0272

Lender

Name	GEORGE MASON MORTGAGE LLC
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2033

September 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 7, 2017
Property Address	3045 JACOBS GARDEN LN, FREDERICK, MD 21701-3325
Document Number	0120150410
Book / Page	012015 / 000410
Instrument Date	Aug 31, 2017
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 1, 2017
Title Company	VILLAGE SETTLEMENTS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$476.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3043 JACOBS GARDEN LN FREDERICK MD 217013325, FREDERICK, MD 21701-3325
Investor	Possibly a Property Investor

Mortgage

Document Number	120150418
Date	Sep 7, 2017
Book Page	012015/000418

Lender

Name	ACADEMY MTG
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 6, 2047

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

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
2023	$7,496.00 Homeowner's exemption	$435,767	$524,700 Land $90,000 Building $434,700

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

Flood

FEMA maps place 3045 Jacobs Garden Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 3045 Jacobs 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 97% of the US · lower than 94% 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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Jacobs Garden Ln

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