3709 Seward Ln, Frederick, MD 21704 Property Records

Frederick County property record for 3709 Seward Ln, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,459 sqft · built 2001
Lot Size	0.193 acres (8,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$573,000 (Dec 2006)
Tax Bill	$9,494 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-227221`

Property Details

APN / Parcel Number

Primary APN	`07-227221`
Alternative APNs	`7227221` `227221`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,459 sqft Living Area
Gross Area	4,167 sqft
1st Floor Area	1,569 sqft
Basement Area	480 sqft
Finished Basement	480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,400 sqft (0.193 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Deck Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	227221
Street Address	3709 SEWARD LN
City	FREDERICK
State	MD
Zip	21704-7847
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 6046 SECT M6 8,400 SQ. FT. VILLAGES OF URBANA
Legal Subdivision	VILLAGES URBANA
Legal Lot Number	6046
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	4
Census Block	4007
Census Tract	752206

Owner

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	3709 SEWARD LN, FREDERICK, MD 21704-7847
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2023	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU
Nov 30, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Feb 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jun 15, 2018	Deed of Trust, Mortgage · FHA Mortgage MLEND
May 15, 2018	Deed of Trust, Mortgage · FHA Mortgage CBC NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2006 · Amount on Record
Deed Sale	Dec 18, 2006 · Amount on Record
Prior Sale	Feb 28, 2002 · Amount on Record
Deed Document Number	200668361
Deed Book / Page	6363 / 511
Last Transfer Date	Sep 16, 2020
Transfer Doc	0143060214
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3709 SEWARD LN, FREDERICK, MD 21704-7847
Transaction Type	Mortgage
Record Updated	Oct 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0166250164
Date	Oct 5, 2023
Book Page	16625/164

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Nov 30, 2020
Property Address	3709 SEWARD LN, FREDERICK, MD 21704-7847
Document Number	0143060214
Book / Page	14306 / 214
Map Reference	MB 68 PL 172
Instrument Date	Sep 16, 2020
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	MORTGAGE INFORMATION SVCS IN

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3709 SEWARD LN, FREDERICK, MD 21704-7847

Mortgage

Document Number	14306218
Date	Nov 30, 2020
Instrument	14306/218

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2050

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3709 SEWARD LN, FREDERICK, MD 21704-7847
Document Number	0128590077
Instrument Date	Feb 15, 2019
Transaction Type	Mortgage
Record Updated	Mar 20, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3709 SEWARD LN FREDERICK MD 217047847, FREDERICK, MD 21704-7847

Mortgage

Document Number	0128590077
Date	Mar 6, 2019
Book Page	012859/000077

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2049

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3709 SEWARD LN, FREDERICK, MD 21704-7847
Document Number	0124840435
Instrument Date	Jun 15, 2018
Transaction Type	Mortgage
Record Updated	Jul 6, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3709 SEWARD LN FREDERICK MD 217047847, FREDERICK, MD 21704-7847

Mortgage

Document Number	0124840435
Date	Jun 25, 2018
Book Page	012484/000435

Lender

Name	MLEND
Address	MIDDLETOWN, MD 21769

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 24, 2048

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3709 SEWARD LN, FREDERICK, MD 21704-7847
Document Number	0124280495
Instrument Date	May 15, 2018
Transaction Type	Mortgage
Record Updated	Jun 12, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9054 SEWARD ST FREDERICK MD 217047848, FREDERICK, MD 21704-7848

Mortgage

Document Number	0124280495
Date	May 24, 2018
Book Page	012428/000495

Lender

Name	CBC NAT'L BK
Type	Bank
Address	ALPHARETTA, GA 30022

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 23, 2048

Tax Assessment & Valuation

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		$747,800 (+7.63%)	$800,800 (-) Land $277,200 Building $523,600
2025	$9,494.00 (+2.84%) Homeowner's exemption	$694,800 (+15.67%)	$800,800 (+24.77%) Land $277,200 Building $523,600
2024	$9,232.00 (+6.96%)
2023	$8,631.00 Homeowner's exemption	$600,700	$641,800 Land $201,700 Building $440,100

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 98% of the US · lower than 96% 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 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

Nearby Properties on Seward Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures