3725 Hope Commons Cir, Frederick, MD 21704 Property Records

Frederick County property record for 3725 Hope Commons Cir, Frederick, MD 21704

Property Summary

Property Type	Townhouse
Details	2.5 ba · 2,280 sqft · built 2000
Lot Size	0.041 acres (1,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$342,000 (May 2018)
Tax Bill	$6,407 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-221746`

Property Details

APN / Parcel Number

Primary APN	`07-221746`
Alternative APNs	`7221746` `221746`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,280 sqft Living Area
1st Floor Area	840 sqft
Basement Area	600 sqft
Finished Basement	600 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,800 sqft (0.041 acres)
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	221746
Street Address	3725 HOPE COMMONS CIR
City	FREDERICK
State	MD
Zip	21704-7822
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	LOT 3069 SECTION M3 1,800 SQ. FT. VILLAGES OF URBANA
Legal Subdivision	VILLAGES/URBANA SEC M3
Legal Lot Number	3069
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	2
Census Block	2003
Census Tract	752206

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	3725 HOPE COMMONS CIR, FREDERICK, MD 21704-7822
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage PANORAMA MORTGAGE GROUP LLC
Jul 19, 2019	Deed of Trust, Mortgage · FHA Mortgage APEX HM LNS
May 17, 2018	Grant Deed, Transfer · FHA Mortgage APEX HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2018 · Amount on Record
Deed Sale	May 17, 2018 · Amount on Record
Prior Sale	Jan 31, 2001 · Amount on Record
Deed Book / Page	12418 / 226
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3725 HOPE COMMONS CIR, FREDERICK, MD 21704-7822
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	KTL TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3725 HOPE COMMONS CIR, FREDERICK, MD 21704-7822

Mortgage

Document Number	0142640070
Date	Nov 13, 2020
Book Page	14264/70

Lender

Name	PANORAMA MORTGAGE GROUP LLC
Type	Non-Lending Institution
Address	LAS VEGAS, NV 89145

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Oct 1, 2040

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3725 HOPE COMMONS CIR, FREDERICK, MD 21704-7822
Document Number	0131540166
Instrument Date	Jul 19, 2019
Transaction Type	Mortgage
Record Updated	Aug 29, 2019
Title Company	CERTIFIED TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3725 HOPE COMMONS CIR FREDERICK MD 217047822, FREDERICK, MD 21704-7822

Mortgage

Document Number	0131540166
Date	Aug 19, 2019
Book Page	013154/000166

Lender

Name	APEX HM LNS
Type	Funding / Finance Company
Address	ROCKVILLE, MD 20850

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 18, 2049

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	May 17, 2018
Property Address	3725 HOPE COMMONS CIR, FREDERICK, MD 21704-7822
Document Number	0124180226
Book / Page	012418 / 000226
Instrument Date	Apr 30, 2018
Transaction Type	Transfer
Record Updated	Jun 1, 2018
Title Company	CERTIFIED TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$342.00
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	3725 HOPE COMMONS CIR FREDERICK MD 217047822, FREDERICK, MD 21704-7822

Mortgage

Document Number	124180234
Date	May 17, 2018
Book Page	012418/000234

Lender

Name	APEX HM LNS
Type	Funding / Finance Company
Address	ROCKVILLE, MD 20852

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 16, 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		$481,267 (+27.29%)	$518,700 (+27.63%) Land $170,000 Building $348,700
2025	$6,407.00 (+16.22%)
2023	$5,513.00	$378,100	$406,400 Land $135,000 Building $271,400

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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 378 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T.

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