4204 Garnet Dr, Middletown, MD 21769 Property Records

Frederick County property record for 4204 Garnet Dr, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,560 sqft · built 1979
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on File
Last Sale	$287,500 (Dec 2017)
Tax Bill	$3,444 (2023)
Deeds & Mortgages	Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-132102`

Property Details

APN / Parcel Number

Primary APN	`03-132102`
Alternative APNs	`3132102` `132102`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,560 sqft Total Area
1st Floor Area	1,040 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Architectural Style	Split Level
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	16,553 sqft (0.38 acres)
Deck Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	132102
Old Parcel Number	3132102
Street Address	4204 GARNET DR
City	MIDDLETOWN
State	MD
Zip	21769-7543
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 16 BLK X SECT 3 0 GARNET DRIVE FOUNTAINDALE SOUTH
Legal Subdivision	FOUNTAINDALE SOUTH
Legal Block	X
Legal Lot Number	16
Jurisdiction	FREDERICK MD
Township / Civil Division	3, MIDDLETOWN
Census Block Group	2
Census Block	2009
Census Tract	752603

Owner

Source: Frederick County assessment roll, as of July 1, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	4204 GARNET DR, MIDDLETOWN, MD 21769-7543
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 5, 2017 · Amount on Record
Deed Sale	Dec 5, 2017 · Amount on Record
Prior Sale	May 6, 2005 · Amount on Record
Deed Document Number	0012166316
Deed Book / Page	12166 / 316
Record Updated	Jun 7, 2026

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 5, 2017
Property Address	4204 GARNET DR, MIDDLETOWN, MD 21769-7543
Document Number	0121660316
Book / Page	012166 / 000316
Instrument Date	Dec 5, 2017
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	TITLE FORWARD

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$287.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4204 GARNET DR MIDDLETOWN MD 217697543, MIDDLETOWN, MD 21769-7543

Mortgage

Document Number	121660325
Date	Dec 5, 2017
Book Page	012166/000325

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 4, 2047

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

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
2023	$3,444.00	$286,400 Land $79,700 Building $206,700	$286,400 Land $79,700 Building $206,700

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
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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