4304 Serpentine Rd, Middletown, MD 21769 Property Records

Frederick County property record for 4304 Serpentine Rd, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,848 sqft · built 1978
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,934 (2025)
Deeds & Mortgages	Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-131521`

Property Details

APN / Parcel Number

Primary APN	`03-131521`
Alternative APNs	`3131521` `131521`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,848 sqft Living Area
Gross Area	2,136 sqft
1st Floor Area	1,328 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Split Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	17,424 sqft (0.4 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	144 sqft
Deck Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	131521
Street Address	4304 SERPENTINE RD
City	MIDDLETOWN
State	MD
Zip	21769-7517
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LT 13 BL V SEC 3 0.40 ACRE
Legal Subdivision	FOUNTAIN DALE SOUTH
Legal Block	V
Legal Lot Number	13
Jurisdiction	FREDERICK MD
Township / Civil Division	3, MIDDLETOWN
Census Block Group	2
Census Block	2006
Census Tract	752603

Owner

4304 Serpentine Rd is owned and occupied by two individuals who acquired it in February 2003.

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

Owner of Record	2 Individual Names on File
Mailing Address	4304 SERPENTINE RD, MIDDLETOWN, MD 21769-7517
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	Feb 25, 2003
Deed Sale	Feb 25, 2003
Prior Sale	Sep 19, 1990 · Amount on File
Deed Document Number	20031145
Deed Book / Page	3570 / 81
Transfer Doc	0000001145
Record Updated	Oct 29, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Aug 31, 2021
Property Address	4304 SERPENTINE RD, MIDDLETOWN, MD 21769-7517
Document Number	0152430454
Book / Page	15243 / 454
Map Reference	MB 17 PL 7
Instrument Date	Aug 6, 2021
Transaction Type	Transfer
Record Updated	Sep 10, 2021
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

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 by the Entirety
Address	4304 SERPENTINE RD, MIDDLETOWN, MD 21769-7517

Mortgage

Document Number	15243460
Date	Aug 31, 2021
Instrument	15243/460

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 4304 Serpentine Rd was $3,934 with a homeowner's exemption, up 6.3% from the year before.

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		$399,600 (+10.77%) Land $112,600 Building $287,000	$399,600 (-) Land $112,600 Building $287,000
2025	$3,934.00 (+6.27%) Homeowner's exemption	$360,733	$399,600 Land $112,600 Building $287,000
2024	$3,702.00 (+8.75%)
2023	$3,404.00 Homeowner's exemption	$283,000 Land $80,500 Building $202,500	$283,000 Land $80,500 Building $202,500

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

Flood

FEMA maps place 4304 Serpentine Rd 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

The area around 4304 Serpentine Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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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