3609 Denison St, Frederick, MD 21704 Property Records

Frederick County property record for 3609 Denison St, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 6,798 sqft · built 2003
Lot Size	0.312 acres (13,584 sqft)
Owner	Trust Name on File
Last Sale	$579,874 (Mar 2004)
Tax Bill	$12,884 (2025)
Deeds & Mortgages	Jun 2020 Line of Credit Jan 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`07-235720`

Property Details

APN / Parcel Number

Primary APN	`07-235720`
Alternative APN	`235720`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	6,798 sqft Living Area
Gross Area	7,218 sqft
1st Floor Area	2,560 sqft
Basement Area	2,198 sqft
Finished Basement	2,198 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	13,584 sqft (0.312 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	235720
Street Address	3609 DENISON ST
City	FREDERICK
State	MD
Zip	21704-7001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 9005 SECTION M9A 13,584 SQ. FT. VILLAGES OF URBANA
Legal Subdivision	VILLAGES/URBANA SEC M-9
Legal Lot Number	9005
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	1
Census Block	1010
Census Tract	752202

Owner

3609 Denison St is owner-occupied and held in a trust since March 2016.

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

Owner of Record	Trust Name on File
Mailing Address	3609 DENISON ST, FREDERICK, MD 21704-7001
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Jun 10, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Jan 2, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2004 · Amount on File
Deed Sale	Mar 15, 2004 · Amount on File
Prior Sale	Sep 29, 2003 · Amount on File
Deed Document Number	200440103
Deed Book / Page	4471 / 343
Last Transfer Date	Mar 6, 2016
Transfer Doc	0127790092
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3609 DENISON ST, FREDERICK, MD 21704-7001
Document Number	0138420053
Instrument Date	Jun 10, 2020
Transaction Type	Mortgage
Record Updated	Aug 3, 2020
Title Company	TITLE INSURANCE POLICY, TITLE INS POLICY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3609 DENISON ST FREDERICK MD 217047001, FREDERICK, MD 21704-7001

Mortgage

Document Number	0138420053
Date	Jun 25, 2020
Book Page	013842/000053

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 24, 2050

Interest

Rate Type	Adjustable Rate

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 2, 2019
Property Address	3609 DENISON ST, FREDERICK, MD 21704-7001
Document Number	0127790092
Book / Page	012779 / 000092
Instrument Date	Mar 6, 2016
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3609 DENISON ST FREDERICK MD 217047001, FREDERICK, MD 21704-7001

Tax Assessment & Valuation

The 2025 property tax bill for 3609 Denison St was $12,884 with a homeowner's exemption, up 3.7% 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		$1,039,967 (+6.87%)	$1,106,800 (-) Land $280,500 Building $826,300
2025	$12,884.00 (+3.65%) Homeowner's exemption	$973,133	$1,106,800 Land $280,500 Building $826,300
2024	$12,430.00 (+7.42%)
2023	$11,571.00	$845,133	$906,300 Land $204,200 Building $702,100

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

Flood

FEMA maps place 3609 Denison St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3609 Denison St is low, with less than 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 97% of the US · lower than 94% of Maryland
Wildfire Likelihood	Under 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 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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