4312 Serpentine Rd, Middletown, MD 21769 Property Records

Frederick County property record for 4312 Serpentine Rd, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,676 sqft · built 1979
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Jun 2020)
Tax Bill	$5,474 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Apr 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-131955`

Property Details

APN / Parcel Number

Primary APN	`03-131955`
Alternative APNs	`3131955` `131955`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,676 sqft Living Area
Gross Area	3,160 sqft
1st Floor Area	1,048 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	16,988 sqft (0.39 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	32 sqft
Deck Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	131955
Street Address	4312 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 9 BL V SEC 3 .39 AC SERPENTINE RD SERPENTINE RD
Legal Subdivision	FOUNTAINDALE SOUTH SEC 03 PLA
Legal Block	V
Legal Lot Number	9
Jurisdiction	FREDERICK MD
Township / Civil Division	3, MIDDLETOWN
Census Block Group	2
Census Block	2006
Census Tract	752603

Owner

4312 Serpentine Rd is owned and occupied by two individuals who acquired it in August 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	4312 SERPENTINE RD, MIDDLETOWN, MD 21769-7517
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 11, 2026	Deed of Trust, Mortgage · Line of Credit SPECTRA FCU
Apr 24, 2023	Deed of Trust, Mortgage · Line of Credit SPECTRA CREDIT UNION
Sep 15, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage APEX HOME LOANS INC
Jun 29, 2020	Grant Deed, Transfer · Conventional with PMI APEX HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2020 · Amount on File
Deed Sale	Jun 29, 2020 · Amount on File
Prior Sale	Jan 20, 2005 · Amount on File
Deed Book / Page	13855 / 350
Last Transfer Date	Aug 5, 2021
Transfer Doc	0152870313
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4312 SERPENTINE RD, MIDDLETOWN, MD 21769-7517
Transaction Type	Mortgage
Record Updated	Mar 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4312 SERPENTINE RD, MIDDLETOWN, MD 21769-7517

Mortgage

Document Number	0177610273
Date	Mar 11, 2026
Book Page	17761/273

Lender

Name	SPECTRA FCU
Type	Credit Union
Address	ALEXANDRIA, VA 22312

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Mar 4, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4312 SERPENTINE RD, MIDDLETOWN, MD 21769-7517
Transaction Type	Mortgage
Record Updated	May 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4312 SERPENTINE RD, MIDDLETOWN, MD 21769-7517

Mortgage

Document Number	0164110067
Date	Apr 24, 2023
Book Page	16411/67

Lender

Name	SPECTRA CREDIT UNION
Address	ALEXANDRIA, VA 22312

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 14, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Sep 15, 2021
Property Address	4312 SERPENTINE RD, MIDDLETOWN, MD 21769-7517
Document Number	0152870313
Book / Page	15287 / 313
Map Reference	MB 17 PL 8
Instrument Date	Aug 5, 2021
Transaction Type	Transfer
Record Updated	Sep 27, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4312 SERPENTINE RD, MIDDLETOWN, MD 21769-7517

Mortgage

Document Number	15287317
Date	Sep 15, 2021
Instrument	15287/317

Lender

Name	APEX HOME LOANS INC
Type	Mortgage Company

Agreement

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

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 29, 2020
Property Address	4312 SERPENTINE RD, MIDDLETOWN, MD 21769-7517
Document Number	0138550350
Book / Page	013855 / 000350
Instrument Date	Jun 8, 2020
Transaction Type	Transfer
Record Updated	Aug 3, 2020
Title Company	COLONY TITLE GROUP LIMITED, COLONY TITLE GRP LTD

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$365.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4312 SERPENTINE RD MIDDLETOWN MD 217697517, MIDDLETOWN, MD 21769-7517

Mortgage

Document Number	138550356
Date	Jun 29, 2020
Book Page	013855/000356

Lender

Name	APEX HM LNS
Type	Funding / Finance Company
Address	ROCKVILLE, MD 20850

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4312 Serpentine Rd was $5,474, up 13.2% 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		$489,600 (+11.07%) Land $112,000 Building $377,600	$489,600 (-) Land $112,000 Building $377,600
2025	$5,474.00 (+13.24%)	$440,800	$489,600 Land $112,000 Building $377,600
2024	$4,834.00 (+17.62%)
2023	$4,110.00	$343,200 Land $80,100 Building $263,100	$343,200 Land $80,100 Building $263,100

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

Flood

FEMA maps place 4312 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

Wildfire risk around 4312 Serpentine Rd 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	Direct burnable vegetation

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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