4220 Garnet Dr, Middletown, MD 21769 Property Records

Frederick County property record for 4220 Garnet Dr, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,396 sqft · built 1980
Lot Size	0.38 acres (16,552 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,843 (2025)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-131912`

Property Details

APN / Parcel Number

Primary APN	`03-131912`
Alternative APNs	`3131912` `131912`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,396 sqft Living Area
1st Floor Area	996 sqft
Basement Area	400 sqft
Finished Basement	400 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Split Foyer
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	16,552 sqft (0.38 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	131912
Street Address	4220 GARNET DR
City	MIDDLETOWN
State	MD
Zip	21769-7543
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LT 20 BL W SEC 3 .38 AC GARNET DR. GARNET DRIVE
Legal Subdivision	FOUNTAIN DALE SOUTH
Legal Block	W
Legal Lot Number	20
Jurisdiction	FREDERICK MD
Township / Civil Division	3, MIDDLETOWN
Census Block Group	2
Census Block	2010
Census Tract	752603

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	4220 GARNET DR, MIDDLETOWN, MD 21769-7543
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 18, 2020
Transfer Doc	0144030151
Record Updated	Sep 20, 2026

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Dec 29, 2020
Property Address	4220 GARNET DR, MIDDLETOWN, MD 21769-7543
Document Number	0144030151
Book / Page	14403 / 151
Map Reference	MB 17 FO 8
Instrument Date	Dec 18, 2020
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	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	4220 GARNET DR, MIDDLETOWN, MD 21769-7543

Mortgage

Document Number	14403156
Date	Dec 29, 2020
Instrument	14403/156

Lender

Name	TRUIST BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

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		$361,500 (+10.73%) Land $111,400 Building $250,100	$361,500 (-) Land $111,400 Building $250,100
2025	$3,843.00 (+6.28%) Homeowner's exemption	$326,467 (+27.33%)	$361,500 (+40.99%) Land $111,400 Building $250,100
2024	$3,616.00 (+16.91%)
2023	$3,093.00	$256,400 Land $79,700 Building $176,700	$256,400 Land $79,700 Building $176,700

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	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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