Frederick County property record for 4091 Reels Mill Rd, Frederick, MD 21704
| Property Type | Single Family Home |
|---|---|
| Details | 7.5 ba · 8,340 sqft · built 2005 |
| Lot Size | 1.53 acres (66,647 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,400,000 (Feb 2024) |
| Tax Bill | $15,339 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage Jun 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-242131 |
| Primary APN | 07-242131 |
|---|---|
| Alternative APN |
|
| Full Baths | 7.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 8,340 sqft Living Area |
| Gross Area | 9,040 sqft |
| 1st Floor Area | 3,644 sqft |
| Basement Area | 2,100 sqft |
| Finished Basement | 2,100 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 66,647 sqft |
| Garage Type | Attached |
| Garage Area | 700 sqft |
| Parking Spaces | 6 Parking Spaces |
| Pool Area | 540 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 449 sqft |
| Deck Area | 1,158 sqft |
| Patio Area | 760 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 242131 |
|---|---|
| Street Address | 4091 REELS MILL RD |
| City | FREDERICK |
| State | MD |
| Zip | 21704-7750 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 SECTION 2 1.53 ACRES REELS MILL OVERLOOK |
| Legal Subdivision | REELS MILL OVERLOOK SEC 02 |
| Legal Lot Number | 2 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 7, URBANA |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 752206 |
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 | 4091 REELS MILL RD, FREDERICK, MD 21704-7750 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Feb 21, 2024 | Deed of Trust, Mortgage · Conventional Mortgage NFM INC |
| Jun 7, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 21, 2024 · Amount on Record |
| Deed Sale | Feb 21, 2024 · Amount on Record |
| Prior Sale | Aug 11, 2010 · Amount on Record |
| Deed Book / Page | 16769 / 260 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4091 REELS MILL RD, FREDERICK, MD 21704-7750 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2024 |
| Title Company | NOT AVAILABLE, SOURCEPOINT |
| Name | Verified Name |
|---|---|
| Address | 8771 LINCOLN ST, SAVAGE, MD 20763-9715 |
| Document Number | 0167690267 |
|---|---|
| Date | Feb 21, 2024 |
| Book Page | 16769/267 |
| Name | NFM INC |
|---|---|
| Type | Mortgage Company |
| Address | LINTHICUM HEIGHTS, MD 21090 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4091 REELS MILL RD, FREDERICK, MD 21704-7750 |
| Document Number | 0125360109 |
| Instrument Date | Jun 7, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 4091 REELS MILL RD FREDERICK MD 217047750, FREDERICK, MD 21704-7750 |
| Document Number | 0125360109 |
|---|---|
| Date | Jul 26, 2018 |
| Book Page | 012536/000109 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 25, 2048 |
| Rate Type | Adjustable Rate |
|---|
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,329,367 (+16.6%) | $1,388,500 (+14.65%) Land $224,200 Building $1,164,300 | |
| 2025 | $15,339.00 (+16.49%) | ||
| 2023 | $13,168.00 Homeowner's exemption | $1,140,100 | $1,211,100 Land $192,500 Building $1,018,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Starlink Satellite | 280 / 30 |
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