4210 Garnet Dr, Middletown, MD 21769 Property Records

Frederick County property record for 4210 Garnet Dr, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,536 sqft · built 1980
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Last Sale	$337,999 (May 2018)
Tax Bill	$4,049 (2024)
Deeds & Mortgages	Mar 2021 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-132072`

Property Details

APN / Parcel Number

Primary APN	`03-132072`
Alternative APNs	`3132072` `132072`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,536 sqft Living Area
Gross Area	4,112 sqft
1st Floor Area	1,960 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Split Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	160 sqft
Patio Area	384 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	132072
Street Address	4210 GARNET DR
City	MIDDLETOWN
State	MD
Zip	21769-7543
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LT13 BL X SEC 3 .35 AC 4210 GARNET DR. 4210 GARNET DRIVE
Legal Subdivision	FOUNTAIN DALE SOUTH
Legal Block	X
Legal Lot Number	13
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 4, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	4210 GARNET DR, MIDDLETOWN, MD 21769-7543
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
May 11, 2018	Grant Deed, Transfer NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2018 · Amount on Record
Deed Sale	May 11, 2018 · Amount on Record
Prior Sale	Aug 20, 1987 · Amount on Record
Deed Book / Page	12408 / 1
Last Transfer Date	Feb 28, 2021
Transfer Doc	0147100320
Record Updated	Jun 8, 2026

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Mar 30, 2021
Property Address	4210 GARNET DR, MIDDLETOWN, MD 21769-7543
Document Number	0147100320
Book / Page	14710 / 320
Map Reference	MB 17 FO 8
Instrument Date	Feb 28, 2021
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	4210 GARNET DR, MIDDLETOWN, MD 21769-7543

Mortgage

Document Number	14710327
Date	Mar 30, 2021
Instrument	14710/327

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	May 11, 2018
Property Address	4210 GARNET DR, MIDDLETOWN, MD 21769-7543
Document Number	0124080001
Book / Page	012408 / 000001
Instrument Date	Apr 30, 2018
Transaction Type	Transfer
Record Updated	May 24, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$338.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4210 GARNET DR MIDDLETOWN MD 217697543, MIDDLETOWN, MD 21769-7543

Mortgage

Document Number	124080007
Date	May 11, 2018
Book Page	012408/000007

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 10, 2048

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

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
2025		$481,900 (+53.03%)	$565,400 (+79.55%) Land $109,700 Building $455,700
2024	$4,049.00 (+8.76%)
2023	$3,723.00 Homeowner's exemption	$314,900 Land $78,400 Building $236,500	$314,900 Land $78,400 Building $236,500

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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