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4209 Garnet Dr, Middletown, MD 21769 Property Records

Frederick County property record for 4209 Garnet Dr, Middletown, MD 21769 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details2 ba · 2,112 sqft · built 1980
Lot Size0.344 acres (15,000 sqft)
Owner2 Individual Names on File
Last Sale$360,000 (Sep 2017)
Tax Bill$4,606 (2024)
Deeds & MortgagesAug 2020 Mortgage
Sep 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN03-131793

Property Details

APN / Parcel Number

Primary APN03-131793
Alternative APNs
  • 3131793
  • 131793

Interior

Full Baths2 Baths
Stories2 Stories
Building Area2,112 sqft Living Area
Gross Area2,596 sqft
1st Floor Area1,240 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 1980
Architectural StyleConventional
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area15,000 sqft (0.344 acres)
Garage TypeAttached
Garage Area484 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area64 sqft
Deck Area360 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
SewerMunicipal

Location & Zoning

Account Number131793
Street Address4209 GARNET DR
CityMIDDLETOWN
StateMD
Zip21769-7544
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT 7 BL Y SEC 3 .34 AC 4209 GARNET DR. 4209 GARNET DRIVE
Legal SubdivisionFOUNTAINDALE SOUTH SEC 03
Legal BlockY
Legal Lot Number7
JurisdictionFREDERICK MD
Township / Civil Division3, MIDDLETOWN
Census Block Group2
Census Block2005
Census Tract752603

Owner

Source: Frederick County records · APN 03-131793

Assessment roll updated August 4, 2025 · Last verified April 2026

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

Owner of Record2 Individual Names on File
Mailing Address4209 GARNET DR, MIDDLETOWN, MD 21769-7544
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Aug 31, 2020Deed of Trust, Mortgage · Conventional with PMI
PENNYMAC
Sep 26, 2017Deed, Transfer · Conventional Mortgage
PRESIDENTIAL BANK FSB

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 26, 2017 · Amount on Record
Deed SaleSep 26, 2017 · Amount on Record
Prior SaleAug 29, 1984 · Amount on Record
Deed Document Number201712049-0210
Deed Book / Page12049 / 210
Prior Transfer DateMay 19, 2010
Prior Transfer Doc0078390471
Record UpdatedJun 08, 2026

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address4209 GARNET DR, MIDDLETOWN, MD 21769-7544
Document Number0143410474
Instrument DateAug 31, 2020
Transaction TypeMortgage
Record UpdatedFeb 02, 2021
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
Address4209 GARNET DR MIDDLETOWN MD 217697544, MIDDLETOWN, MD 21769-7544

Mortgage

Document Number0143410474
DateDec 08, 2020
Book Page014341/000474
Lender
NamePENNYMAC
AddressBETHESDA, MD 20814
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueDec 07, 2050

September 2017: Deed, Transfer

Document TypeDeed
JurisdictionFREDERICK MD
Recording DateSep 26, 2017
Property Address4209 GARNET DR, MIDDLETOWN, MD 21769-7544
Document Number0120490210
Book / Page12049 / 0210
Map ReferenceSH2 MB17 PG8
Instrument DateSep 15, 2017
Instrument12049-0210
Transaction TypeTransfer
Record UpdatedAug 09, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$4,320.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address4209 GARNET DR, MIDDLETOWN, MD 21769-7544

Mortgage

Document Number120490215
DateSep 26, 2017
Instrument12049-0215
Lender
NamePRESIDENTIAL BANK FSB
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2047

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$452,067 (+27.77%)$501,200 (+41.66%) Land $109,400 Building $391,800
2024$4,606.00 (+8.79%)
2023$4,234.00 Homeowner's exemption$353,800 Land $78,200 Building $275,600$353,800 Land $78,200 Building $275,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217526032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies4 in force
Nearby Flood Claims1 (2004)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 2004, tidal / storm surge

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 305 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250

May also be available at this address: Shenandoah Telecommunications Company, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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