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3809 Shetland Ct, Frederick, MD 21704 Property Records

Frederick County property record for 3809 Shetland Ct, Frederick, MD 21704 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details4.5 ba · 4,936 sqft · built 2002
Lot Size0.233 acres (10,146 sqft)
Owner2 Individual Names on File
Last Sale$950,500 (Dec 2024)
Tax Bill$10,783 (2024)
Deeds & MortgagesJul 2020 Mortgage
Jan 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN07-233434

Property Details

APN / Parcel Number

Primary APN07-233434
Alternative APNs
  • 7233434
  • 233434

Interior

Full Baths4.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area4,936 sqft Living Area
Gross Area5,376 sqft
1st Floor Area2,032 sqft
Basement Area1,376 sqft
Finished Basement1,376 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Architectural StyleConventional
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area10,146 sqft (0.233 acres)
View / LotWaterfront
Garage TypeAttached
Garage Area440 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area110 sqft
Patio Area392 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
SewerMunicipal

Location & Zoning

Account Number233434
Street Address3809 SHETLAND CT
CityFREDERICK
StateMD
Zip21704-7719
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 25009 SECTION P3 10,146 SQ. FT. URBANA HIGHLANDS
Legal SubdivisionURBANA HIGHLANDS
Legal Lot Number25009
JurisdictionFREDERICK MD
Township / Civil Division7, URBANA
Census Block Group1
Census Block1025
Census Tract752205

Owner

Source: Frederick County records · APN 07-233434

Assessment roll updated August 4, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address3809 SHETLAND CT, FREDERICK, MD 21704-7719
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Jul 09, 2020Deed of Trust, Mortgage · VA Mortgage
NAVY FCU
Jan 07, 2019Grant Deed, Transfer · VA Mortgage
NAVY FCU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 12, 2024 · Amount on Record
Deed SaleDec 12, 2024 · Amount on Record
Prior SaleJan 07, 2019 · Amount on Record
Prior Transfer DateOct 16, 2014
Prior Transfer Doc0102740292
Record UpdatedJun 08, 2026

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address3809 SHETLAND CT, FREDERICK, MD 21704-7719
Document Number0138930335
Instrument DateJul 09, 2020
Transaction TypeMortgage
Record UpdatedAug 18, 2020
Title CompanyRGS TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3809 SHETLAND CT FREDERICK MD 217047719, FREDERICK, MD 21704-7719

Mortgage

Document Number0138930335
DateJul 14, 2020
Book Page013893/000335
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 13, 2050
Interest
Rate4%

January 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionFREDERICK MD
Recording DateJan 07, 2019
Property Address3809 SHETLAND CT, FREDERICK, MD 21704-7719
Document Number0127850338
Book / Page012785 / 000338
Instrument DateDec 28, 2018
Transaction TypeTransfer
Record UpdatedJan 18, 2019
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$624.50
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address3809 SHETLAND CT FREDERICK MD 217047719, FREDERICK, MD 21704-7719

Mortgage

Document Number127850344
DateJan 07, 2019
Book Page012785/000344
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 06, 2049

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$808,033 (+18.12%)$959,700 (+31.07%) Land $227,500 Building $732,200
2024$10,783.00 (+8.73%)
2023$9,917.00$684,067$732,200 Land $177,500 Building $554,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217522051, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies3 in force
Nearby Flood Claims1 (2025)
Most Recent ClaimJul 2025, river or lake flooding

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 523 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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