3609 Cool Crest Dr, Jefferson, MD 21755 Property Records

Frederick County property record for 3609 Cool Crest Dr, Jefferson, MD 21755

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,536 sqft · built 1983
Lot Size	1.68 acres (73,616 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Jul 2007)
Tax Bill	$3,990 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-309772`

Property Details

APN / Parcel Number

Primary APN	`14-309772`
Alternative APN	`309772`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,536 sqft Living Area
1st Floor Area	1,536 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	73,616 sqft
Garage Type	Carport
Garage Area	288 sqft
Carport	Carport
Carport Area	288 sqft
Parking Spaces	1 Parking Space
Deck Area	120 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	309772
Street Address	3609 COOL CREST DR
City	JEFFERSON
State	MD
Zip	21755-8445
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 33 SECT F 1.69 AC COOL CREST DR NORTH JEFFERSON
Legal Subdivision	NORTH JEFFERSON SEC F
Legal Lot Number	33
Jurisdiction	FREDERICK MD
Township / Civil Division	14, JEFFERSON
Census Block Group	1
Census Block	1048
Census Tract	752501

Owner

3609 Cool Crest Dr is owned and occupied by two individuals who bought it in July 2007.

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

Owner of Record	2 Individual Names on File
Mailing Address	3609 COOL CREST DR, JEFFERSON, MD 21755-8445
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2026	Deed of Trust, Mortgage · Line of Credit ACNB BANK
Jul 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2007 · Amount on File
Deed Sale	Jul 5, 2007 · Amount on File
Deed Document Number	200773810
Deed Book / Page	6653 / 278
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Recording Date	Apr 24, 2026
Property Address	3609 COOL CREST DR, JEFFERSON, MD 21755-8445
Document Number	1783000429
Book / Page	17833 / 429
Instrument Date	Apr 14, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	CORPORATE SETTLEMENT SOLUTIONS, CORPORATE SETTLEMENT SOLUTIO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3609 COOL CREST DR, JEFFERSON, MD 21755-8445

Mortgage

Document Number	1783000429,
Date	Apr 24, 2026
Book Page	17833/429

Lender

Name	ACNB BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3609 COOL CREST DR, JEFFERSON, MD 21755-8445
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0150770054
Date	Jul 8, 2021
Book Page	15077/54

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 3609 Cool Crest Dr was $3,990, up 9.8% from the year before.

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		$340,867 (+8.41%)	$367,300 (-) Land $175,600 Building $191,700
2025	$3,990.00 (+9.77%)	$314,433	$367,300 Land $175,600 Building $191,700
2024	$3,635.00 (+14.92%)
2023	$3,163.00	$257,300	$288,000 Land $131,900 Building $156,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3609 Cool Crest Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2018.

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	3 in force
Nearby Flood Claims	2 (2018)
Most Recent Claim	May 2018 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2018 · 2 claims

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

Wildfire risk around 3609 Cool Crest Dr is low, with a 0.01% annual chance of 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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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