3634 Denison St, Frederick, MD 21704 Property Records

Frederick County property record for 3634 Denison St, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 5,730 sqft · built 2004
Lot Size	0.213 acres (9,264 sqft)
Owner	2 Individual Names on Record
Last Sale	$840,000 (Apr 2022)
Tax Bill	$12,791 (2024)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-236093`

Property Details

APN / Parcel Number

Primary APN	`07-236093`
Alternative APN	`236093`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,730 sqft Living Area
Gross Area	6,210 sqft
1st Floor Area	2,445 sqft
Basement Area	1,500 sqft
Finished Basement	1,500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,264 sqft (0.213 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Patio Area	624 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	236093
Street Address	3634 DENISON ST
City	FREDERICK
State	MD
Zip	21704-7002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 9035 SEC. M9 9,264 SQ. FT. VILLAGES OF URBANA
Legal Subdivision	VILLAGES/URBANA SEC M9
Legal Lot Number	9035
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 January 16, 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	3634 DENISON ST, FREDERICK, MD 21704-7002
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2022	Deed, Transfer · Conventional Mortgage M & T BANK
Sep 9, 2020	Deed, Transfer · Conventional Mortgage M & T BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2022 · Amount on Record
Deed Sale	Apr 12, 2022 · Amount on Record
Prior Sale	Sep 9, 2020 · Amount on Record
Deed Document Number	2022
Deed Book / Page	15846 / 274
Prior Transfer Date	Dec 12, 2013
Prior Transfer Doc	0099440089
Record Updated	Jun 8, 2026

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 12, 2022
Property Address	3634 DENISON ST, FREDERICK, MD 21704-7002
Document Number	0158460274
Book / Page	15846 / 274
Map Reference	MB 73 PL 22
Instrument Date	Mar 31, 2022
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	EXCALIBUR TITLE AGENCY LLC, EXCALIBUR T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
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	3634 DENISON ST, FREDERICK, MD 21704-7002

Mortgage

Document Number	0015846279
Date	Apr 12, 2022
Instrument	15846/279

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Apr 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.87%
Index	Other
Margin	3
Max Rate	7.87%

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 9, 2020
Property Address	3634 DENISON ST, FREDERICK, MD 21704-7002
Document Number	0140520453
Book / Page	14052 / 453
Map Reference	MB 73 PL 22
Instrument Date	Sep 3, 2020
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	BRENNAN TTL CO NATL ACCOUNTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,850.00
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	3634 DENISON ST, FREDERICK, MD 21704-7002

Mortgage

Document Number	14052461
Date	Sep 9, 2020
Instrument	14052/461

Lender

Name	M & T BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

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
2025		$971,667 (+13.8%)	$1,090,200 (+19.49%) Land $277,700 Building $812,500
2024	$12,791.00 (+7.42%)
2023	$11,907.00	$853,867	$912,400 Land $202,100 Building $710,300

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 95% of the US · lower than 90% 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 244 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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