4200 Garnet Dr, Middletown, MD 21769 Property Records

Frederick County property record for 4200 Garnet Dr, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	2 ba · 996 sqft · built 1980
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (May 2020)
Tax Bill	$3,674 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-132129`

Property Details

APN / Parcel Number

Primary APN	`03-132129`
Alternative APNs	`3132129` `132129`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,796 sqft Living Area
1st Floor Area	996 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Split Foyer
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	15,682 sqft (0.36 acres)
Porch	Open Porch
Porch Area	280 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	132129
Street Address	4200 GARNET DR
City	MIDDLETOWN
State	MD
Zip	21769-7543
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LT 18 BL X SEC 3 .36 AC 4200 GARNET DR. 4200 GARNET DRIVE
Legal Subdivision	FOUNTAIN DALE SOUTH
Legal Block	X
Legal Lot Number	18
Jurisdiction	FREDERICK MD
Township / Civil Division	3, MIDDLETOWN
Census Block Group	2
Census Block	2009
Census Tract	752603

Owner

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	4200 GARNET DR, MIDDLETOWN, MD 21769-7543
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 19, 2020	Grant Deed, Transfer · VA Mortgage EMBRACE HM LOANS
Mar 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2020 · Amount on Record
Deed Sale	May 19, 2020 · Amount on Record
Prior Sale	Jun 2, 1998 · Amount on Record
Deed Book / Page	13745 / 389
Record Updated	Oct 29, 2026

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	May 19, 2020
Property Address	4200 GARNET DR, MIDDLETOWN, MD 21769-7543
Document Number	0137450389
Book / Page	013745 / 000389
Instrument Date	May 5, 2020
Transaction Type	Transfer
Record Updated	Jul 6, 2020
Title Company	LAWYERS SIGNATURE SETTLEMENTS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$310.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4200 GARNET DR MIDDLETOWN MD 217697543, MIDDLETOWN, MD 21769-7543

Mortgage

Document Number	137450396
Date	May 19, 2020
Book Page	013745/000396

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 18, 2050

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4200 GARNET DR, MIDDLETOWN, MD 21769-7543
Document Number	0123550391
Instrument Date	Mar 26, 2018
Transaction Type	Mortgage
Record Updated	Apr 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4200 GARNET DR MIDDLETOWN MD 217697543, MIDDLETOWN, MD 21769-7543

Mortgage

Document Number	0123550391
Date	Apr 9, 2018
Book Page	012355/000391

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$431,800 (+41.99%) Land $110,300 Building $321,500	$431,800 (+41.99%) Land $110,300 Building $321,500
2025	$3,674.00 (+15.61%)
2023	$3,178.00 Homeowner's exemption	$304,100 Land $78,800 Building $225,300	$304,100 Land $78,800 Building $225,300

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
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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