Frederick County property record for 3646 Denison St, Frederick, MD 21704
| Property Type | Single Family Home |
|---|---|
| Details | 4.5 ba · 5,168 sqft · built 2003 |
| Lot Size | 0.545 acres (23,733 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $610,000 (Mar 2011) |
| Tax Bill | $11,833 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-236034 |
| Primary APN | 07-236034 |
|---|---|
| Alternative APN |
|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 5,168 sqft Living Area |
| Gross Area | 5,608 sqft |
| 1st Floor Area | 2,656 sqft |
| Basement Area | 1,048 sqft |
| Finished Basement | 1,048 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 23,733 sqft (0.545 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 352 sqft |
| Deck Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 236034 |
|---|---|
| Street Address | 3646 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 9029 SEC. M9A 23,733 SQ. FT. VILLAGES OF URBANA |
| Legal Subdivision | VILLAGES/URBANA URBANA PUD |
| Legal Lot Number | 9029 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 7, URBANA |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 752202 |
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 | 3646 DENISON ST, FREDERICK, MD 21704-7002 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 14, 2011 · Amount on Record |
| Deed Sale | Mar 14, 2011 · Amount on Record |
| Prior Sale | Mar 14, 2011 · Amount on Record |
| Deed Document Number | 20118278/0334 |
| Deed Book / Page | 8278 / 334 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 3646 DENISON ST, FREDERICK, MD 21704-7002 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0142000055 |
|---|---|
| Date | Oct 23, 2020 |
| Book Page | 14200/55 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2050 |
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $975,000 (+23.46%) | $1,038,700 (+22.55%) Land $287,100 Building $751,600 | |
| 2025 | $11,833.00 (+11.01%) | ||
| 2023 | $10,659.00 Homeowner's exemption | $789,700 | $847,600 Land $209,300 Building $638,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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