3631 Denison St, Frederick, MD 21704 Property Records

Frederick County property record for 3631 Denison St, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,516 sqft · built 2004
Lot Size	0.313 acres (13,671 sqft)
Owner	Individual Name on Record
Last Sale	$990,000 (Oct 2023)
Tax Bill	$9,344 (2023)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Mar 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-235976`

Property Details

APN / Parcel Number

Primary APN	`07-235976`
Alternative APN	`235976`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,516 sqft Total Area
1st Floor Area	1,796 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	13,671 sqft (0.313 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	235976
Street Address	3631 DENISON ST
City	FREDERICK
State	MD
Zip	21704-7001
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9024 SEC. M9A 13,671 SQ. FT. VILLAGES OF URBANA
Legal Subdivision	VILLAGES URBANA
Legal Lot Number	9024
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	1
Census Block	1010
Census Tract	752202

Owner

Source: Frederick County records, as of October 31, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3631 DENISON ST, FREDERICK, MD 21704-7001
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2023	Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Mar 15, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Jun 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Oct 1, 2021	Deed, Transfer · Conventional Mortgage ARC HOME LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2023 · Amount on Record
Deed Sale	Oct 17, 2023 · Amount on Record
Prior Sale	Oct 1, 2021 · Amount on Record
Deed Document Number	0016638300
Deed Book / Page	16638 / 300
Record Updated	Jun 7, 2026

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 17, 2023
Property Address	3631 DENISON ST, FREDERICK, MD 21704-7001
Document Number	0166380300
Book / Page	16638 / 300
Map Reference	MB 73 PG 22
Instrument Date	Sep 20, 2023
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	PASSPORT TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,475.00
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 in Severalty
Address	3631 DENISON ST, FREDERICK, MD 21704-7001

Mortgage

Document Number	0016638306
Date	Oct 17, 2023
Instrument	16638/306

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3631 DENISON ST, FREDERICK, MD 21704-7001
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0123200080
Date	Mar 15, 2018
Book Page	12320/0080

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	GERMANTOWN, MD 20876

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	263 Months
Due	Feb 23, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3631 DENISON ST, FREDERICK, MD 21704-7001
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0138400047
Date	Jun 24, 2020
Book Page	13840/47

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 1, 2021
Property Address	3631 DENISON ST, FREDERICK, MD 21704-7001
Document Number	0153430476
Book / Page	15343 / 476
Map Reference	MB 73 PG 22
Instrument Date	Sep 24, 2021
Transaction Type	Transfer
Record Updated	Oct 18, 2021
Title Company	MONOCACY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,400.00
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 in Severalty
Address	3631 DENISON ST, FREDERICK, MD 21704-7001

Mortgage

Document Number	15343482
Date	Oct 1, 2021
Instrument	15343/482

Lender

Name	ARC HOME LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

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
2023	$9,344.00	$635,233	$679,700 Land $204,300 Building $475,400

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 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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