3918 Millstone Cir, Monrovia, MD 21770 Property Records

Frederick County property record for 3918 Millstone Cir, Monrovia, MD 21770

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,008 sqft · built 1989
Lot Size	1.08 acres (47,045 sqft)
Owner	2 Individual Names on Record
Last Sale	$539,900 (Dec 2019)
Tax Bill	$6,897 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Jan 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-270140`

Property Details

APN / Parcel Number

Primary APN	`09-270140`
Alternative APNs	`9270140` `270140`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,008 sqft Living Area
Gross Area	4,456 sqft
1st Floor Area	1,636 sqft
Basement Area	1,200 sqft
Finished Basement	1,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	47,045 sqft
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Breezeway
Porch Area	168 sqft
Deck Area	280 sqft
Breezeway	Breezeway

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	270140
Street Address	3918 MILLSTONE CIR
City	MONROVIA
State	MD
Zip	21770-9135
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 215 SEC 2 1.082 ACRES FARMFIELD ESTATES
Legal Subdivision	ACRES FARMFIELD ESTATES
Legal Lot Number	215
Jurisdiction	FREDERICK MD
Township / Civil Division	9, NEW MARKET
Census Block Group	4
Census Block	4006
Census Tract	752102

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	3918 MILLSTONE CIR, MONROVIA, MD 21770-9135
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC
Jan 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage PRESIDENTIAL BANK FSB
Dec 20, 2019	Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2019 · Amount on Record
Deed Sale	Dec 20, 2019 · Amount on Record
Prior Sale	Dec 28, 1989 · Amount on Record
Deed Book / Page	13415 / 213
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3918 MILLSTONE CIR, MONROVIA, MD 21770-9135
Transaction Type	Mortgage
Record Updated	Jul 26, 2022
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0160280394
Date	Jul 12, 2022
Book Page	16028/394

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3918 MILLSTONE CIR, MONROVIA, MD 21770-9135
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0122470337
Date	Jan 24, 2018
Book Page	12247/0337
Instrument	12247-0337

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank
Address	BETHESDA, MD 20814

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 20, 2019
Property Address	3918 MILLSTONE CIR, MONROVIA, MD 21770-9135
Document Number	0134150213
Book / Page	13415 / 0213
Map Reference	MB 35 FO 144
Instrument Date	Dec 5, 2019
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	LAKESIDE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,699.50
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	3918 MILLSTONE CIR, MONROVIA, MD 21770-9135

Mortgage

Document Number	134150220
Date	Dec 20, 2019
Instrument	13415/0220

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

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		$749,500 (+25.58%)	$788,200 (+17.27%) Land $170,700 Building $617,500
2025	$6,897.00 (+15.62%)
2023	$5,965.00 Homeowner's exemption	$596,833	$672,100 Land $170,700 Building $501,400

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 62 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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