3812 Kendall Dr, Frederick, MD 21704 Property Records

Frederick County property record for 3812 Kendall Dr, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,119 sqft · built 2003
Lot Size	0.301 acres (13,130 sqft)
Owner	Individual Name on Record
Last Sale	$705,000 (Apr 2021)
Tax Bill	$9,510 (2023)
Deeds & Mortgages	Apr 2022 Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-234503`

Property Details

APN / Parcel Number

Primary APN	`07-234503`
Alternative APN	`234503`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,119 sqft Total Area
1st Floor Area	1,693 sqft
Basement Area	1,300 sqft
Finished Basement	1,300 sqft

Exterior

Year Built	Built 2003
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	13,130 sqft (0.301 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Deck Area	234 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	234503
Street Address	3812 KENDALL DR
City	FREDERICK
State	MD
Zip	21704-7883
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 10135 SECT M-10 13130 SQ FT VILLAGES OF URBANA
Legal Subdivision	VILLAGES/URBANA URBANA PUD
Legal Lot Number	10135
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	2
Census Block	2001
Census Tract	752202

Owner

Source: Frederick County records, as of September 25, 2023

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3812 KENDALL DR, FREDERICK, MD 21704-7883
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2022	Deed of Trust, Mortgage · SBA Mortgage ACNB BANK
Apr 12, 2021	Deed, Transfer · FHA Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2021 · Amount on Record
Deed Sale	Apr 12, 2021 · Amount on Record
Prior Sale	Jan 11, 2013 · Amount on Record
Deed Document Number	0014757472
Deed Book / Page	14757 / 472
Record Updated	Jun 7, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3812 KENDALL DR, FREDERICK, MD 21704-7883
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3812 KENDALL DR, FREDERICK, MD 21704-7883

Mortgage

Document Number	0158690143
Date	Apr 20, 2022
Book Page	15869/143

Lender

Name	ACNB BANK
Type	Bank
Address	FREDERICK, MD 21701

Agreement

Type	SBA Mortgage
Amount	Amount Recorded

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 12, 2021
Property Address	3812 KENDALL DR, FREDERICK, MD 21704-7883
Document Number	0147570472
Book / Page	14757 / 472
Map Reference	MB 72 PG 118
Instrument Date	Apr 1, 2021
Transaction Type	Transfer
Record Updated	Jun 4, 2021
Title Company	NOT AVAILABLE, MULTIPLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,525.00
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	3812 KENDALL DR, FREDERICK, MD 21704-7883

Mortgage

Document Number	14757479
Date	Apr 12, 2021
Instrument	14757/479

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

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
2023	$9,510.00	$649,400	$694,900 Land $204,000 Building $490,900

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 95% of the US · lower than 90% 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Kendall Dr

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