4198 Garnet Dr, Middletown, MD 21769 Property Records

Frederick County property record for 4198 Garnet Dr, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,086 sqft · built 1980
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$480,000 (May 2021)
Tax Bill	$4,768 (2025)
Deeds & Mortgages	Aug 2026 Mortgage May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-131726`

Property Details

APN / Parcel Number

Primary APN	`03-131726`
Alternative APNs	`3131726` `131726`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,086 sqft Living Area
Gross Area	3,878 sqft
1st Floor Area	1,328 sqft
Basement Area	750 sqft
Finished Basement	750 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	420 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	131726
Street Address	4198 GARNET DR
City	MIDDLETOWN
State	MD
Zip	21769-7545
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LT 8 BLK J SECT 3 0.50 ACRE FOUNTAINDALE SOUTH
Legal Subdivision	FOUNTAINDALE SOUTH
Legal Block	J
Legal Lot Number	8
Jurisdiction	FREDERICK MD
Township / Civil Division	3, MIDDLETOWN
Census Block Group	2
Census Block	2005
Census Tract	752603

Owner

Source: Frederick County records, as of August 26, 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	4198 GARNET DR, MIDDLETOWN, MD 21769-7545
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage STEWART TITLE
May 11, 2021	Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC
Oct 17, 2020	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2021 · Amount on Record
Deed Sale	May 11, 2021 · Amount on Record
Prior Sale	Dec 3, 1986 · Amount on Record
Deed Book / Page	14870 / 231
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Recording Date	Aug 18, 2026
Property Address	4198 GARNET DR, MIDDLETOWN, MD 21769-7545
Document Number	1800000319
Book / Page	18009 / 319
Instrument Date	Aug 7, 2026
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4198 GARNET DR, MIDDLETOWN, MD 21769-7545

Mortgage

Document Number	1800000319,
Date	Aug 18, 2026
Book Page	18009/319

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 7, 2056

Interest

Max Rate	-1%

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 11, 2021
Property Address	4198 GARNET DR, MIDDLETOWN, MD 21769-7545
Document Number	0148700231
Book / Page	14870 / 231
Map Reference	MB 17 FO 8
Instrument Date	Apr 16, 2021
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,400.00
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	4198 GARNET DR, MIDDLETOWN, MD 21769-7545

Mortgage

Document Number	14870237
Date	May 11, 2021
Instrument	14870/237

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4198 GARNET DR, MIDDLETOWN, MD 21769-7545
Document Number	0142290191
Instrument Date	Oct 17, 2020
Transaction Type	Mortgage
Record Updated	Nov 17, 2020
Title Company	SINGLESOURCE PROPERTY SOLUTION, SINGLESOURCE PROP SOLUTION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4198 GARNET DR MIDDLETOWN MD 217697545, MIDDLETOWN, MD 21769-7545

Mortgage

Document Number	0142290191
Date	Nov 4, 2020
Book Page	014229/000191

Lender

Name	MANUFACTURERS & TRADERS TR
Address	BUFFALO, 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$551,200 (+60.09%) Land $118,300 Building $432,900	$551,200 (+60.09%) Land $118,300 Building $432,900
2025	$4,768.00 (+15.64%)
2023	$4,123.00	$344,300 Land $84,600 Building $259,700	$344,300 Land $84,600 Building $259,700

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	4 in force
Nearby Flood Claims	1 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2004 · tidal / storm surge

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	Not rated no burnable land within 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	FOUNTAINDALE SOUTH serves 2,610 people · EPA ID MD0100013
Water Source	Groundwater influenced by surface water
Last State Inspection	Jul 2025
Also Mapped Here	TOWN OF MIDDLETOWN
Lead	1 ppb (2015–2017) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 305 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Glo Fiber, Verizon.

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