3607 Howard Stup Rd, Frederick, MD 21703 Property Records

Frederick County property record for 3607 Howard Stup Rd, Frederick, MD 21703

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,044 sqft · built 1998
Lot Size	1.55 acres (67,518 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,183 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-032062`

Property Details

APN / Parcel Number

Primary APN	`01-032062`
Alternative APNs	`1032062` `032062`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,044 sqft Living Area
1st Floor Area	2,044 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	67,518 sqft
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	3 Parking Spaces
Pool Area	512 sqft
Deck Area	448 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	032062
Street Address	3607 HOWARD STUP RD
City	FREDERICK
State	MD
Zip	21703-7864
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LOT 2 SECTION 1 1.559 ACRES MOUNTVILLE ACRES
Legal Subdivision	MOUNTVILLE ACRES
Legal Lot Number	2
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3607 HOWARD STUP RD, FREDERICK, MD 21703-7864
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2021	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Aug 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK
Mar 10, 2020	Loan Modification, Mortgage · Conventional with PMI MANUFACTURERS & TRADERS TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3607 HOWARD STUP RD, FREDERICK, MD 21703-7864
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	RGS TITLE LLC MATS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0155500210
Date	Dec 9, 2021
Book Page	15550/210

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3607 HOWARD STUP RD, FREDERICK, MD 21703-7864
Transaction Type	Mortgage
Record Updated	Sep 2, 2021
Title Company	MARYLAND TITLE CENTER LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3607 HOWARD STUP RD, FREDERICK, MD 21703-7864

Mortgage

Document Number	0152160067
Date	Aug 23, 2021
Book Page	15216/67

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FREDERICK MD
Property Address	3607 HOWARD STUP RD, FREDERICK, MD 21703-7864
Document Number	0136090323
Instrument Date	Mar 10, 2020
Transaction Type	Mortgage
Record Updated	May 27, 2020
Title Company	RGS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3607 HOWARD STUP RD FREDERICK MD 217037864, FREDERICK, MD 21703-7864

Mortgage

Document Number	0136090323
Date	Mar 24, 2020
Book Page	013609/000323

Lender

Name	MANUFACTURERS & TRADERS TR
Address	BUFFALO, NY 14203

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

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		$477,767 (+7.72%)	$512,000 (-) Land $134,900 Building $377,100
2025	$5,183.00 (+14.92%) Homeowner's exemption	$443,533 (+15.2%)	$512,000 (+25.09%) Land $134,900 Building $377,100
2023	$4,510.00 Homeowner's exemption	$385,000	$409,300 Land $103,800 Building $305,500

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
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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