3758 Spicebush Dr, Frederick, MD 21704 Property Records

Frederick County property record for 3758 Spicebush Dr, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,552 sqft · built 2003
Lot Size	0.212 acres (9,249 sqft)
Owner	2 Individual Names on Record
Last Sale	$777,000 (Jul 2023)
Tax Bill	$9,049 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jul 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-231342`

Property Details

APN / Parcel Number

Primary APN	`07-231342`
Alternative APNs	`7231342` `231342`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,552 sqft Living Area
Gross Area	3,952 sqft
1st Floor Area	1,424 sqft
Basement Area	980 sqft
Finished Basement	980 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	9,249 sqft (0.212 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	36 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	231342
Street Address	3758 SPICEBUSH DR
City	FREDERICK
State	MD
Zip	21704-7880
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 10096 SEC M-10 9,249 SQ FT VILLAGES OF URBANA
Legal Subdivision	VILLAGES URBANA
Legal Lot Number	10096
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	2
Census Block	2004
Census Tract	752202

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	3758 SPICEBUSH DR, FREDERICK, MD 21704-7880
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Jul 28, 2023	Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Jun 15, 2020	Deed of Trust, Mortgage · Line of Credit EDUCATIONAL SYSTEMS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2023 · Amount on Record
Deed Sale	Jul 28, 2023 · Amount on Record
Prior Sale	Apr 21, 2008
Deed Book / Page	16537 / 167
Prior Transfer Date	Feb 28, 2008
Prior Transfer Doc	0069550320
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3758 SPICEBUSH DR, FREDERICK, MD 21704-7880
Transaction Type	Mortgage
Record Updated	Mar 3, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3758 SPICEBUSH DR, FREDERICK, MD 21704-7880

Mortgage

Document Number	0177230344
Date	Feb 17, 2026
Book Page	17723/344

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	SANTA ROSA, CA 95401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2041

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jul 28, 2023
Property Address	3758 SPICEBUSH DR, FREDERICK, MD 21704-7880
Document Number	0165370167
Book / Page	16537 / 167
Map Reference	MB 70 PG 196
Instrument Date	Jul 12, 2023
Transaction Type	Transfer
Record Updated	Aug 11, 2023
Title Company	ASSURE TITLE, ASSURANCE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,942.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3758 SPICEBUSH DR, FREDERICK, MD 21704-7880

Mortgage

Document Number	0016537174
Date	Jul 28, 2023
Instrument	16537/174

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3758 SPICEBUSH DR, FREDERICK, MD 21704-7880
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	MORTGAGE INFORMATION SVCS IN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0138140022
Date	Jun 15, 2020
Book Page	13814/22

Lender

Name	EDUCATIONAL SYSTEMS FCU
Type	Credit Union
Address	GREENBELT, MD 20770

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 14, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$666,533 (+7.86%)	$715,100 (-) Land $277,700 Building $437,400
2025	$9,049.00 (+2.69%) Homeowner's exemption	$617,967 (+14.16%)	$715,100 (+25.59%) Land $277,700 Building $437,400
2024	$8,812.00 (+7.78%)
2023	$8,176.00 (+4.3%) Homeowner's exemption	$541,333 (+5.47%)	$569,400 (-) Land $202,100 Building $367,300
2022	$7,839.00 Homeowner's exemption	$513,267	$569,400 Land $202,100 Building $367,300

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 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.

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