3765 Spicebush Dr, Frederick, MD 21704 Property Records

Frederick County property record for 3765 Spicebush Dr, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,638 sqft · built 2003
Lot Size	0.254 acres (11,051 sqft)
Owner	2 Individual Names on Record
Last Sale	$460,000 (Feb 2011)
Tax Bill	$9,760 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Dec 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-231679`

Property Details

APN / Parcel Number

Primary APN	`07-231679`
Alternative APNs	`7231679` `231679`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,222 sqft Living Area
Gross Area	3,706 sqft
1st Floor Area	1,550 sqft
Basement Area	584 sqft
Finished Basement	584 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	11,051 sqft (0.254 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	231679
Street Address	3765 SPICEBUSH DR
City	FREDERICK
State	MD
Zip	21704-7879
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 10159 SEC M-10 11,051 SQ. FT. VILLAGES OF URBANA
Legal Subdivision	VILLAGES URBANA
Legal Lot Number	10159
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	2
Census Block	2002
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	3765 SPICEBUSH DR, FREDERICK, MD 21704-7879
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2023	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Dec 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Mar 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2011 · Amount on Record
Deed Sale	Feb 24, 2011 · Amount on Record
Prior Sale	Jun 4, 2003 · Amount on Record
Deed Book / Page	3821 / 612
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3765 SPICEBUSH DR, FREDERICK, MD 21704-7879
Transaction Type	Mortgage
Record Updated	May 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0164140446
Date	Apr 25, 2023
Book Page	16414/446

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3765 SPICEBUSH DR, FREDERICK, MD 21704-7879
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0127710240
Date	Dec 27, 2018
Book Page	12771/0240

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2039

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3765 SPICEBUSH DR, FREDERICK, MD 21704-7879
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	NATIONAL TITLE CENTER INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0136000171
Date	Mar 19, 2020
Book Page	13600/171

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2040

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		$725,233 (+24.02%)	$775,400 (+24.08%) Land $278,900 Building $496,500
2025	$9,760.00 (+11.5%)
2023	$8,753.00	$584,767	$624,900 Land $203,000 Building $421,900

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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