4217 Garnet Dr, Middletown, MD 21769 Property Records

Frederick County property record for 4217 Garnet Dr, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,600 sqft · built 1980
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Last Sale	$465,000 (Aug 2021)
Tax Bill	$5,648 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-131750`

Property Details

APN / Parcel Number

Primary APN	`03-131750`
Alternative APNs	`3131750` `131750`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,600 sqft Living Area
Gross Area	3,288 sqft
1st Floor Area	1,656 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	15,246 sqft (0.35 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	224 sqft
Deck Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	131750
Street Address	4217 GARNET DR
City	MIDDLETOWN
State	MD
Zip	21769-7544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LT 3 BL Y SEC 3 .35 AC 4217 GARNET DR 4217 GARNET DRIVE
Legal Subdivision	FOUNTAINDALE SOUTH SEC III
Legal Block	Y
Legal Lot Number	3
Jurisdiction	FREDERICK MD
Township / Civil Division	3, MIDDLETOWN
Census Block Group	2
Census Block	2005
Census Tract	752603

Owner

4217 Garnet Dr is owned and occupied by two individuals who bought it in August 2021.

Source: Frederick County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4217 GARNET DR, MIDDLETOWN, MD 21769-7544
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2021 · Amount on File
Deed Sale	Aug 5, 2021 · Amount on File
Prior Sale	Jun 30, 1993 · Amount on File
Deed Book / Page	15159 / 257
Record Updated	Oct 29, 2026

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 5, 2021
Property Address	4217 GARNET DR, MIDDLETOWN, MD 21769-7544
Document Number	0151590257
Book / Page	15159 / 257
Map Reference	MB 17 PG 8
Instrument Date	Jul 28, 2021
Transaction Type	Transfer
Record Updated	Aug 18, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,325.00
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	4217 GARNET DR, MIDDLETOWN, MD 21769-7544

Mortgage

Document Number	15159263
Date	Aug 5, 2021
Instrument	15159/263

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 4217 Garnet Dr was $5,648.

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		$505,200 Land $109,700 Building $395,500	$505,200 Land $109,700 Building $395,500
2025	$5,648.00
2023	$4,245.00	$354,700 Land $78,400 Building $276,300	$354,700 Land $78,400 Building $276,300

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

Flood

FEMA maps place 4217 Garnet Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.

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

Wildfire risk around 4217 Garnet Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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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