3605 John Simmons Ct, Frederick, MD 21704 Property Records

Frederick County property record for 3605 John Simmons Ct, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,316 sqft · built 2000
Lot Size	0.283 acres (12,329 sqft)
Owner	2 Individual Names on Record
Last Sale	$690,000 (May 2021)
Tax Bill	$9,668 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-223552`

Property Details

APN / Parcel Number

Primary APN	`07-223552`
Alternative APNs	`7223552` `223552`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,316 sqft Living Area
Gross Area	3,756 sqft
1st Floor Area	1,868 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	12,329 sqft (0.283 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	320 sqft
Deck Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	223552
Street Address	3605 JOHN SIMMONS CT
City	FREDERICK
State	MD
Zip	21704-7816
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 108 SECTION K1 12,329 SQ. FT. VILLAGES OF URBANA
Legal Subdivision	VILLAGES/URBANA 18 SEC K1
Legal Lot Number	108
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	2
Census Block	2000
Census Tract	752206

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	3605 JOHN SIMMONS CT, FREDERICK, MD 21704-7816
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 10, 2021	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jun 15, 2018	Intrafamily Transfer, Transfer · ARM NATIONAL INSTITUTES OF HEALTH FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2021 · Amount on Record
Deed Sale	May 10, 2021 · Amount on Record
Prior Sale	Jun 26, 2008 · Amount on Record
Deed Book / Page	14868 / 415
Prior Transfer Date	Jun 1, 2018
Prior Transfer Doc	0124700085
Record Updated	Oct 29, 2026

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 10, 2021
Property Address	3605 JOHN SIMMONS CT, FREDERICK, MD 21704-7816
Document Number	0148680415
Book / Page	14868 / 415
Map Reference	MB 65 PL 53
Instrument Date	Apr 30, 2021
Transaction Type	Transfer
Record Updated	Jun 4, 2021
Title Company	MONOCACY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,725.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3605 JOHN SIMMONS CT, FREDERICK, MD 21704-7816

Mortgage

Document Number	14868421
Date	May 10, 2021
Instrument	14868/421

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

June 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Jun 15, 2018
Property Address	3605 JOHN SIMMONS CT, FREDERICK, MD 21704-7816
Document Number	0124700085
Book / Page	12470 / 0085
Map Reference	MB65 PL53
Instrument Date	Jun 1, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	MONOCACY TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3605 JOHN SIMMONS CT, FREDERICK, MD 21704-7816

Mortgage

Document Number	0001247092
Date	Jun 15, 2018
Instrument	12470/92

Lender

Name	NATIONAL INSTITUTES OF HEALTH FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Jul 1, 2023
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.62%
Index	1-Year CMT
Max Rate	7.62%

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		$762,333 (+7.33%)	$814,400 (-) Land $279,700 Building $534,700
2025	$9,668.00 (+2.87%) Homeowner's exemption	$710,267 (+15.4%)	$814,400 (+23.73%) Land $279,700 Building $534,700
2024	$9,398.00 (+6.99%)
2023	$8,784.00 Homeowner's exemption	$615,500	$658,200 Land $203,600 Building $454,600

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 94% of the US · lower than 87% of Maryland
Wildfire Likelihood	Under 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.

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 378 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

May also be available: AT&T.

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