3226 Thornapple Dr, Frederick, MD 21704 Property Records

Frederick County property record for 3226 Thornapple Dr, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,049 sqft · built 2021
Lot Size	0.152 acres (6,656 sqft)
Owner	Individual on Record
Last Sale	$674,014 (Apr 2021)
Tax Bill	$9,709 (2023)
Deeds & Mortgages	May 2024 Line of Credit Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-599796`

Property Details

APN / Parcel Number

Primary APN	`07-599796`
Alternative APN	`599796`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,049 sqft Total Area
Basement Area	1,000 sqft
Finished Basement	1,000 sqft

Exterior

Year Built	Built 2021
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,656 sqft (0.152 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	331 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	599796
Street Address	3226 THORNAPPLE DR
City	FREDERICK
State	MD
Zip	21704-2405
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 23314 6,656 SQ FT THE WOODLANDS AT URBANA
Legal Lot Number	23314
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	3
Census Block	3011
Census Tract	752206

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Co-owner	Co-owner on Record
Mailing Address	3226 THORNAPPLE DR, FREDERICK, MD 21704-2405
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2024	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Apr 30, 2021	Deed, Transfer · VA Mortgage NVR MORTGAGE FINANCE INC
Feb 25, 2021	Deed, Transfer NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2021 · Amount on Record
Deed Sale	Apr 30, 2021 · Amount on Record
Prior Sale	Feb 25, 2021 · Amount on Record
Deed Document Number	0014826352
Deed Book / Page	14826 / 352
Record Updated	Jun 7, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3226 THORNAPPLE DR, FREDERICK, MD 21704-2405
Transaction Type	Mortgage
Record Updated	May 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3226 THORNAPPLE DR, FREDERICK, MD 21704-2405

Mortgage

Document Number	0168530401
Date	May 7, 2024
Book Page	16853/401

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	May 1, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 30, 2021
Property Address	3226 THORNAPPLE DR, FREDERICK, MD 21704-2405
Document Number	0148260352
Book / Page	14826 / 352
Map Reference	MB 103 PL 87
Instrument Date	Apr 8, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	NVR SETTLEMENT SERVICES/MD INC, NVR SETMNT SVCS OF MD INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,370.07
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	656 QUINCE ORCHARD RD, 656, GAITHERSBURG, MD 20878-1409

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3226 THORNAPPLE DR, FREDERICK, MD 21704-2405

Mortgage

Document Number	0014826357
Date	Apr 30, 2021
Instrument	14826/357

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Feb 25, 2021
Property Address	3226 THORNAPPLE DR, FREDERICK, MD 21704-2405
Document Number	0145870266
Book / Page	14587 / 266
Map Reference	MB 103 PL 87
Instrument Date	Dec 3, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SERVICES

Transaction

Amount	Amount Recorded
Tax	$2,301.45
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 QUINCE ORCHARD RD # 500, 500, GAITHERSBURG, MD 20878-1409
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

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
2023	$9,709.00	$678,300	$695,000 Land $190,100 Building $504,900

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	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	NEW DESIGN - FREDERICK COUNTY serves 74,911 people · EPA ID MD0100030
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	3 ppb (2019) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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