3591 Howard Stup Rd, Frederick, MD 21703 Property Records

Frederick County property record for 3591 Howard Stup Rd, Frederick, MD 21703

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,685 sqft · built 2005
Lot Size	1.63 acres (71,003 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,360 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-042912`

Property Details

APN / Parcel Number

Primary APN	`01-042912`
Alternative APN	`042912`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,685 sqft Living Area
Gross Area	4,421 sqft
1st Floor Area	3,685 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	71,003 sqft
Garage Type	Attached
Garage Area	736 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	602 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	042912
Street Address	3591 HOWARD STUP RD
City	FREDERICK
State	MD
Zip	21703-7838
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 SECT 1 1.63 ACRES MOUNTVILLE ACRES
Legal Subdivision	MOUNTVILLE ACRES SEC 01
Legal Lot Number	3
Jurisdiction	FREDERICK MD
Township / Civil Division	1, BUCKEYSTOWN
Census Block Group	2
Census Block	2020
Census Tract	752303

Owner

Source: Frederick County records, as of August 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3591 HOWARD STUP RD, FREDERICK, MD 21703-7838
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2022	Deed of Trust, Mortgage · Line of Credit PATRIOT FCU
Sep 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage WEST TOWN BANK & TRUST
Dec 9, 2016	Deed of Trust, Mortgage WEST TOWN BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2006
Deed Sale	Jan 27, 2006
Deed Document Number	200660709
Deed Book / Page	5827 / 649
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3591 HOWARD STUP RD, FREDERICK, MD 21703-7838
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0158640049
Date	Apr 19, 2022
Book Page	15864/49

Lender

Name	PATRIOT FCU
Type	Credit Union
Address	CHAMBERSBURG, PA 17201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 18, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3591 HOWARD STUP RD, FREDERICK, MD 21703-7838
Transaction Type	Mortgage
Record Updated	Oct 7, 2021
Title Company	LAWYERS SIGNATURE SETTLEMENTS, LAWYERS SIGNATURE STLMTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0153130431
Date	Sep 23, 2021
Book Page	15313/431

Lender

Name	WEST TOWN BANK & TRUST
Type	Bank
Address	RALEIGH, NC 27615

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3591 HOWARD STUP RD, FREDERICK, MD 21703-7838
Document Number	0116650039
Book / Page	011665 / 000039
Instrument Date	Dec 9, 2016
Transaction Type	Mortgage
Record Updated	Mar 23, 2017
Title Company	ARMOUR SETTLEMENT SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3591 HOWARD STUP RD FREDERICK MD 217037838, FREDERICK, MD 21703-7838

Mortgage

Document Number	0116650039
Date	Feb 10, 2017
Book Page	011665/000039

Lender

Name	WEST TOWN BK&TR
Address	FREDERICK, MD 21703

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 9, 2047

Tax Assessment & Valuation

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

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
2026		$809,333 (+24.81%)	$865,300 (+24.08%) Land $135,600 Building $729,700
2025	$8,360.00 (+15.34%)
2023	$7,248.00 Homeowner's exemption	$648,467	$697,400 Land $104,400 Building $593,000

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	4 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
MN FWA Buyer Fixed Wireless	30 / 10
AT&T Fixed Wireless	25 / 3
All Points Broadband Fixed Wireless	10 / 1

May also be available: EarthLink Business.

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