Frederick County property record for 4109 Celtic Way, Frederick, MD 21704
| Property Type | Single Family Home |
|---|---|
| Details | 4.5 ba · 4,272 sqft · built 2007 |
| Lot Size | 0.137 acres (5,987 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $775,000 (Feb 2022) |
| Tax Bill | $10,391 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Feb 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-246854 |
| Primary APN | 07-246854 |
|---|---|
| Alternative APN |
|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,272 sqft Living Area |
| 1st Floor Area | 1,604 sqft |
| Basement Area | 1,100 sqft |
| Finished Basement | 1,100 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 5,987 sqft (0.137 acres) |
| Garage Type | Detached |
| Garage Area | 546 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 120 sqft |
| Deck Area | 192 sqft |
| Patio Area | 295 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 246854 |
|---|---|
| Street Address | 4109 CELTIC WAY |
| City | FREDERICK |
| State | MD |
| Zip | 21704-7373 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 25359 5,987 SQ. FT. URBANA HIGHLANDS |
| Legal Subdivision | URBANA HLNDS SEC P1 |
| Legal Lot Number | 25359 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 7, URBANA |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 752205 |
Source: Frederick County records, as of August 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4109 CELTIC WAY, FREDERICK, MD 21704-7373 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jul 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STRONG HOME MORTGAGE LLC |
| Feb 28, 2022 | Deed, Transfer · Conventional Mortgage DEPARTMENT OF COMMERCE FCU |
| Apr 24, 2017 | Grant Deed, Transfer KEYSTONE SETTLEMENT SERVICES, KEYSTONE TITLE SETTLEMENT SERVICES |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 28, 2022 · Amount on Record |
| Deed Sale | Feb 28, 2022 · Amount on Record |
| Prior Sale | Jun 5, 2015 · Amount on Record |
| Deed Book / Page | 15754 / 87 |
| Prior Transfer Date | May 15, 2008 |
| Prior Transfer Doc | 0069860327 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4109 CELTIC WAY, FREDERICK, MD 21704-7373 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | SOLIDIFI TITLE & CLOSING LLC |
| Name | Verified Name |
|---|
| Document Number | 0139200342 |
|---|---|
| Date | Jul 24, 2020 |
| Book Page | 13920/342 |
| Name | STRONG HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MANASSAS, VA 20110 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2035 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Feb 28, 2022 |
| Property Address | 4109 CELTIC WAY, FREDERICK, MD 21704-7373 |
| Document Number | 0157540087 |
| Book / Page | 15754 / 87 |
| Map Reference | MB 81 PL 16 |
| Instrument Date | Feb 1, 2022 |
| Transaction Type | Transfer |
| Record Updated | Mar 10, 2022 |
| Title Company | CLA TITLE AND ESCROW, CLA TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,937.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4109 CELTIC WAY, FREDERICK, MD 21704-7373 |
| Document Number | 0001575495 |
|---|---|
| Date | Feb 28, 2022 |
| Instrument | 15754/95 |
| Name | DEPARTMENT OF COMMERCE FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Apr 24, 2017 |
| Property Address | 4109 CELTIC WAY, FREDERICK, MD 21704-7373 |
| Document Number | 0117920277 |
| Book / Page | 011792 / 000277 |
| Instrument Date | Apr 24, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2017 |
| Title Company | KEYSTONE SETTLEMENT SERVICES, KEYSTONE TITLE SETTLEMENT SERVICES |
| Amount | Amount Recorded |
|---|---|
| Tax | $660.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 9325 BISHOPGATE DR FREDERICK MD 217047376, FREDERICK, MD 21704-7376 |
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 | $818,833 (+7.46%) | $875,700 (-) Land $225,400 Building $650,300 | |
| 2025 | $10,391.00 (+3.85%) Homeowner's exemption | $761,967 (+15.44%) | $875,700 (+24.2%) Land $225,400 Building $650,300 |
| 2024 | $10,006.00 (+8.87%) | ||
| 2023 | $9,191.00 | $660,067 | $705,100 Land $175,400 Building $529,700 |
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 | 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 281 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
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