3657 Islington St, Frederick, MD 21704 Property Records

Frederick County property record for 3657 Islington St, Frederick, MD 21704

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,300 sqft · built 2004
Lot Size	0.055 acres (2,387 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Jan 2021)
Tax Bill	$6,435 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-230273`

Property Details

APN / Parcel Number

Primary APN	`07-230273`
Alternative APNs	`7230273` `230273`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,300 sqft Living Area
1st Floor Area	800 sqft
Basement Area	700 sqft
Finished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,387 sqft (0.055 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	230273
Street Address	3657 ISLINGTON ST
City	FREDERICK
State	MD
Zip	21704-7009
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	LOT 1121 SEC M1B 2,387 SQ. FT. VILLAGES OF URBANA
Legal Subdivision	VILLAGES URBANA
Legal Lot Number	1121
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	4
Census Block	4023
Census Tract	752206

Owner

3657 Islington St, a townhouse, is owned and occupied by two individuals who bought it in January 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3657 ISLINGTON ST, FREDERICK, MD 21704-7009
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Jan 6, 2021	Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Mar 11, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Jan 11, 2019	Grant Deed, Transfer · VA Mortgage CENTURY LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2021 · Amount on File
Deed Sale	Jan 6, 2021 · Amount on File
Prior Sale	Jan 11, 2019 · Amount on File
Deed Book / Page	14422 / 125
Record Updated	Oct 29, 2026

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 6, 2021
Property Address	3657 ISLINGTON ST, FREDERICK, MD 21704-7009
Document Number	0144220125
Book / Page	14422 / 125
Map Reference	MB 70 PL 191
Instrument Date	Oct 6, 2020
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	KTL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,025.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3657 ISLINGTON ST, FREDERICK, MD 21704-7009

Mortgage

Document Number	14422133
Date	Jan 6, 2021
Instrument	14422/133

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Nov 1, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3657 ISLINGTON ST, FREDERICK, MD 21704-7009
Document Number	0137140064
Instrument Date	Mar 11, 2020
Transaction Type	Mortgage
Record Updated	Jun 26, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3657 ISLINGTON ST FREDERICK MD 217047009, FREDERICK, MD 21704-7009

Mortgage

Document Number	0137140064
Date	May 6, 2020
Book Page	013714/000064

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 5, 2050

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 11, 2019
Property Address	3657 ISLINGTON ST, FREDERICK, MD 21704-7009
Document Number	0127960055
Book / Page	012796 / 000055
Instrument Date	Jan 7, 2019
Transaction Type	Transfer
Record Updated	Jan 25, 2019
Title Company	PINNACLE TITLE AND ESCROW, PINNACLE TITLE & ESCROW

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3657 ISLINGTON ST FREDERICK MD 217047009, FREDERICK, MD 21704-7009

Mortgage

Document Number	127960060
Date	Jan 11, 2019
Book Page	012796/000060

Lender

Name	CENTURY LNDG
Address	LOUISVILLE, KY 40223

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 10, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3657 Islington St was $6,435 with a homeowner's exemption.

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		$501,767 (+8.48%)	$541,000 (-) Land $170,000 Building $371,000
2025	$6,435.00 Homeowner's exemption	$462,533	$541,000 Land $170,000 Building $371,000
2023	$5,722.00	$395,867	$423,300 Land $135,000 Building $288,300

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

Flood

FEMA maps place 3657 Islington 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 3657 Islington 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 93% of the US · lower than 85% of Maryland
Wildfire Likelihood	Under 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.

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 653 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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