4219 Garnet Dr, Middletown, MD 21769 Property Records

Frederick County property record for 4219 Garnet Dr, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,972 sqft · built 1980
Lot Size	0.446 acres (19,416 sqft)
Owner	2 Individual Names on File
Last Sale	$88,000 (Dec 1987)
Tax Bill	$4,364 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Oct 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-131742`

Property Details

APN / Parcel Number

Primary APN	`03-131742`
Alternative APNs	`3131742` `131742`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,972 sqft Living Area
Gross Area	2,872 sqft
1st Floor Area	1,572 sqft
Basement Area	400 sqft
Finished Basement	400 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	19,416 sqft (0.446 acres)
Garage Type	Attached
Garage Area	900 sqft
Parking Spaces	3 Parking Spaces
Deck Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	131742
Street Address	4219 GARNET DR
City	MIDDLETOWN
State	MD
Zip	21769-7544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT 2 BLK Y SEC 3 19,416 SQ FT 4219 GARNET DRIVE
Legal Subdivision	FOUNTAIN DALE SOUTH
Legal Block	Y
Legal Lot Number	2
Jurisdiction	FREDERICK MD
Township / Civil Division	3, MIDDLETOWN
Census Block Group	2
Census Block	2005
Census Tract	752603

Owner

4219 Garnet Dr is owned and occupied by two individuals who bought it in December 1987.

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

Owner of Record	2 Individual Names on File
Mailing Address	4219 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

Date	Document
Jun 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU OF MARYLAND INC
Oct 8, 2019	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR
Jan 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage STATE EMP CU/MD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 1987 · Amount on File
Deed Sale	Dec 31, 1987 · Amount on File
Deed Book / Page	1464 / 661
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4219 GARNET DR, MIDDLETOWN, MD 21769-7544
Transaction Type	Mortgage
Record Updated	Jun 28, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0149610142
Date	Jun 7, 2021
Book Page	14961/142

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	GLEN BURNIE, MD 21060

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 1, 2031

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4219 GARNET DR, MIDDLETOWN, MD 21769-7544
Document Number	0132750188
Instrument Date	Oct 8, 2019
Transaction Type	Mortgage
Record Updated	Oct 29, 2019
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4219 GARNET DR MIDDLETOWN MD 217697544, MIDDLETOWN, MD 21769-7544

Mortgage

Document Number	0132750188
Date	Oct 16, 2019
Book Page	013275/000188

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4219 GARNET DR, MIDDLETOWN, MD 21769-7544
Document Number	0116480136
Book / Page	011648 / 000136
Instrument Date	Jan 25, 2017
Transaction Type	Mortgage
Record Updated	Mar 22, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4219 GARNET DR MIDDLETOWN MD 217697544, MIDDLETOWN, MD 21769-7544

Mortgage

Document Number	0116480136
Date	Feb 2, 2017
Book Page	011648/000136

Lender

Name	STATE EMP CU/MD
Type	Credit Union
Address	GLEN BURNIE, MD 21060

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 4219 Garnet Dr was $4,364 with a homeowner's exemption.

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		$445,300 Land $115,200 Building $330,100	$445,300 Land $115,200 Building $330,100
2025	$4,364.00
2023	$3,775.00 Homeowner's exemption	$314,600 Land $82,400 Building $232,200	$314,600 Land $82,400 Building $232,200

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

Flood

FEMA maps place 4219 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 4219 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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