3234 Starlight St, Frederick, MD 21704 Property Records

Frederick County property record for 3234 Starlight St, Frederick, MD 21704

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,700 sqft · built 2021
Lot Size	0.087 acres (3,795 sqft)
Owner	2 Individual Names on Record
Last Sale	$473,315 (Aug 2020)
Tax Bill	$7,406 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-598945`

Property Details

APN / Parcel Number

Primary APN	`07-598945`
Alternative APN	`598945`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,700 sqft Living Area
Gross Area	3,124 sqft
1st Floor Area	1,564 sqft
Basement Area	600 sqft
Finished Basement	600 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,795 sqft (0.087 acres)
Garage Type	Attached
Garage Area	424 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	598945
Street Address	3234 STARLIGHT ST
City	FREDERICK
State	MD
Zip	21704-5250
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 23365 3,795 SQ FT THE WOODLANDS AT URBANA
Legal Lot Number	23365
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	3
Census Block	3010
Census Tract	752206

Owner

Source: Frederick County records, as of July 15, 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	3234 STARLIGHT ST, FREDERICK, MD 21704-5250
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Aug 25, 2020	Deed, Transfer · FHA Mortgage NVR MORTGAGE FINANCE INC
Apr 24, 2020	Grant Deed, Transfer NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2020 · Amount on Record
Deed Sale	Aug 25, 2020 · Amount on Record
Prior Sale	Apr 24, 2020 · Amount on Record
Deed Book / Page	14011 / 201
Record Updated	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jul 29, 2026
Property Address	3234 STARLIGHT ST, FREDERICK, MD 21704-5250
Document Number	1797000361
Book / Page	17978 / 361
Instrument Date	Jul 27, 2026
Transaction Type	Transfer
Record Updated	Aug 4, 2026
Title Company	VILLAGE SETTLEMENTS INC, VILLAGE SETTLEMENTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$636,300.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3234 STARLIGHT ST, FREDERICK, MD 21704-5250

Mortgage

Document Number	1797000368,
Date	Jul 29, 2026
Book Page	17978/368

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 25, 2020
Property Address	3234 STARLIGHT ST, FREDERICK, MD 21704-5250
Document Number	0140110201
Book / Page	14011 / 201
Map Reference	MB 102 PL 70
Instrument Date	Aug 19, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	NVR SETMNT SVCS OF MD INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,366.58
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4700 CORRIDOR PL, 4700, BELTSVILLE, MD 20705-1163

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3234 STARLIGHT ST, FREDERICK, MD 21704-5250

Mortgage

Document Number	0014011206
Date	Aug 25, 2020
Instrument	14011/206

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 24, 2020
Property Address	3234 STARLIGHT ST, FREDERICK, MD 21704-5250
Document Number	0136790169
Book / Page	013679 / 000169
Instrument Date	Apr 2, 2020
Transaction Type	Transfer
Record Updated	Nov 18, 2020
Title Company	NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Transaction

Amount	Amount Recorded
Tax	$830.00
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 #105 FREDERICK MD 217037342, 105, FREDERICK, MD 21703-7342
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

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
2025	$7,406.00 (+5.62%) Homeowner's exemption	$509,267 (+9.64%)	$586,800 (+24.72%) Land $180,000 Building $406,800
2024	$7,012.00 (+3.93%)
2023	$6,747.00 Homeowner's exemption	$464,500	$470,500 Land $150,000 Building $320,500

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
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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