3720 Kendall Ln, Frederick, MD 21704 Property Records

Frederick County property record for 3720 Kendall Ln, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 5,178 sqft · built 2003
Lot Size	0.233 acres (10,168 sqft)
Owner	2 Individual Names on Record
Last Sale	$620,000 (Dec 2017)
Tax Bill	$11,083 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-231091`

Property Details

APN / Parcel Number

Primary APN	`07-231091`
Alternative APNs	`7231091` `231091`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,178 sqft Living Area
Gross Area	5,640 sqft
1st Floor Area	2,230 sqft
Basement Area	1,600 sqft
Finished Basement	1,600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,168 sqft (0.233 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Deck Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	231091
Street Address	3720 KENDALL LN
City	FREDERICK
State	MD
Zip	21704-7893
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 10004 SEC M-10 10,168 SQ FT VILLAGES OF URBANA
Legal Subdivision	VILLAGES/URBANA SEC M-10
Legal Lot Number	10004
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	2
Census Block	2000
Census Tract	752202

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3720 KENDALL LN, FREDERICK, MD 21704-7893
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Dec 21, 2017	Grant Deed, Transfer · Conventional with PMI STATE EMP CU/MD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2017 · Amount on Record
Deed Sale	Dec 21, 2017 · Amount on Record
Prior Sale	Dec 14, 2009 · Amount on Record
Deed Document Number	201712196-0310
Deed Book / Page	12196 / 310
Prior Transfer Date	Dec 6, 2007
Prior Transfer Doc	0068260711
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3720 KENDALL LN, FREDERICK, MD 21704-7893
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	JACQUIE S TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0134320199
Date	Dec 31, 2019
Book Page	13432/0199

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

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

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 21, 2017
Property Address	3720 KENDALL LN, FREDERICK, MD 21704-7893
Document Number	0121960310
Book / Page	012196 / 000310
Instrument Date	Nov 30, 2017
Transaction Type	Transfer
Record Updated	Jan 4, 2018
Title Company	HOUSEHOLD TITLE AND ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$620.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3720 KENDALL LN FREDERICK MD 217047893, FREDERICK, MD 21704-7893

Mortgage

Document Number	121960318
Date	Dec 21, 2017
Book Page	012196/000318

Lender

Name	STATE EMP CU/MD
Type	Credit Union
Address	GLEN BURNIE, MD 21060

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 20, 2047

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		$896,967 (+7.07%)	$956,200 (-) Land $278,300 Building $677,900
2025	$11,083.00 (+3.27%) Homeowner's exemption	$837,733 (+15.21%)	$956,200 (+22.83%) Land $278,300 Building $677,900
2024	$10,732.00 (+7.2%)
2023	$10,011.00 Homeowner's exemption	$727,133	$778,500 Land $202,500 Building $576,000

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 709 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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