3849 Glasgow Way, Frederick, MD 21704 Property Records

Frederick County property record for 3849 Glasgow Way, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 6,152 sqft · built 2001
Lot Size	0.228 acres (9,934 sqft)
Owner	2 Individual Names on File
Last Sale	$560,000 (Jul 2017)
Tax Bill	$10,465 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Dec 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`07-224141`

Property Details

APN / Parcel Number

Primary APN	`07-224141`
Alternative APNs	`7224141` `224141`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	6,152 sqft Living Area
Gross Area	6,552 sqft
1st Floor Area	2,376 sqft
Basement Area	1,800 sqft
Finished Basement	1,800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,934 sqft (0.228 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	228 sqft
Deck Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	224141
Street Address	3849 GLASGOW WAY
City	FREDERICK
State	MD
Zip	21704-7805
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 25092 SECT P3 9,934 SQ. FT. URBANA HIGHLANDS
Legal Subdivision	URBANA HIGHLANDS
Legal Lot Number	25092
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	1
Census Block	1027
Census Tract	752205

Owner

3849 Glasgow Way is owned and occupied by two individuals who bought it in July 2017.

Source: Frederick County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3849 GLASGOW WAY, FREDERICK, MD 21704-7805
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2026	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA
Dec 9, 2022	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA
Nov 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUSTWORTHY MORTGAGE CORP
Apr 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 1, 2021	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA
Jul 17, 2017	Grant Deed, Transfer · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2017 · Amount on File
Deed Sale	Jul 14, 2017 · Amount on File
Prior Sale	Aug 14, 2009
Deed Document Number	201711923-0183
Deed Book / Page	11923 / 183
Prior Transfer Date	Aug 7, 2009
Prior Transfer Doc	0074710075
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3849 GLASGOW WAY, FREDERICK, MD 21704-7805
Transaction Type	Mortgage
Record Updated	Mar 30, 2026
Title Company	CORPORATE SETTLEMENTS, CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3849 GLASGOW WAY, FREDERICK, MD 21704-7805

Mortgage

Document Number	0177640037
Date	Mar 12, 2026
Book Page	17764/37

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	GERMANTOWN, MD 20876

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Feb 7, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3849 GLASGOW WAY, FREDERICK, MD 21704-7805
Transaction Type	Mortgage
Record Updated	Dec 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3849 GLASGOW WAY, FREDERICK, MD 21704-7805

Mortgage

Document Number	0162570282
Date	Dec 9, 2022
Book Page	16257/282

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	GERMANTOWN, MD 20876

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Nov 4, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3849 GLASGOW WAY, FREDERICK, MD 21704-7805
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3849 GLASGOW WAY, FREDERICK, MD 21704-7805

Mortgage

Document Number	0142260258
Date	Nov 2, 2020
Book Page	14226/258

Lender

Name	TRUSTWORTHY MORTGAGE CORP
Type	Mortgage Company
Address	VIENNA, VA 22182

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	178 Months
Due	Sep 1, 2035

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3849 GLASGOW WAY, FREDERICK, MD 21704-7805
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0147930345
Date	Apr 21, 2021
Book Page	14793/345

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3849 GLASGOW WAY, FREDERICK, MD 21704-7805
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3849 GLASGOW WAY, FREDERICK, MD 21704-7805

Mortgage

Document Number	0150460347
Date	Jul 1, 2021
Book Page	15046/347

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	HERMITAGE, PA 16148

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	262 Months
Due	May 20, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jul 17, 2017
Property Address	3849 GLASGOW WAY, FREDERICK, MD 21704-7805
Document Number	0119230183
Book / Page	011923 / 000183
Instrument Date	Jun 30, 2017
Transaction Type	Transfer
Record Updated	Aug 23, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3849 GLASGOW WAY FREDERICK MD 217047805, FREDERICK, MD 21704-7805

Mortgage

Document Number	119230189
Date	Jul 17, 2017
Book Page	011923/000189

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 16, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3849 Glasgow Way was $10,465 with a homeowner's exemption, up 3.3% from the year before.

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		$969,033 (+9.4%)	$1,052,300 (-) Land $227,400 Building $824,900
2025	$10,465.00 (+3.32%) Homeowner's exemption	$885,767	$1,052,300 Land $227,400 Building $824,900
2024	$10,129.00 (+7.11%)
2023	$9,457.00 Homeowner's exemption	$749,267	$802,500 Land $177,400 Building $625,100

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

Flood

FEMA maps place 3849 Glasgow Way in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

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	3 in force
Nearby Flood Claims	1 (2025)
Most Recent Claim	Jul 2025 · river or lake flooding

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

Wildfire risk around 3849 Glasgow Way is low, with a 0.01% annual chance of 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	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 523 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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