4313 Serpentine Rd, Middletown, MD 21769 Property Records

Frederick County property record for 4313 Serpentine Rd, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,856 sqft · built 1979
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on Record
Last Sale	$569,900 (Mar 2025)
Tax Bill	$5,395 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Jan 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-132048`

Property Details

APN / Parcel Number

Primary APN	`03-132048`
Alternative APNs	`3132048` `132048`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,856 sqft Living Area
Gross Area	3,120 sqft
1st Floor Area	1,328 sqft
Basement Area	800 sqft
Finished Basement	800 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	17,860 sqft (0.41 acres)
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	32 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	132048
Street Address	4313 SERPENTINE RD
City	MIDDLETOWN
State	MD
Zip	21769-7518
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT 10 BLK X SEC 3 .41 AC ZIRCON RD ZIRCON RD
Legal Subdivision	FOUNTAINDALE SOUTH SEC 03
Legal Block	X
Legal Lot Number	10
Jurisdiction	FREDERICK MD
Township / Civil Division	3, MIDDLETOWN
Census Block Group	2
Census Block	2009
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	4313 SERPENTINE RD, MIDDLETOWN, MD 21769-7518
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2023	Deed, Transfer · FHA Mortgage SIERRA PACIFIC MORTGAGE CO INC
Jan 8, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC
Aug 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage STRONG HOME MORTGAGE LLC
Aug 16, 2021	Deed, Transfer · Conventional Mortgage APEX HOME LOANS INC
Mar 1, 2018	Grant Deed, Transfer · FHA Mortgage ACOPIA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2025 · Amount on Record
Deed Sale	Mar 17, 2025 · Amount on Record
Prior Sale	Nov 16, 2023 · Amount on Record
Deed Book / Page	17259 / 352
Prior Transfer Date	Aug 12, 2009
Prior Transfer Doc	0074780382
Record Updated	Oct 29, 2026

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 16, 2023
Property Address	4313 SERPENTINE RD, MIDDLETOWN, MD 21769-7518
Document Number	0166710297
Book / Page	16671 / 297
Map Reference	MB 17 PG 8
Instrument Date	Nov 15, 2023
Transaction Type	Transfer
Record Updated	Dec 5, 2023
Title Company	LEGACY SETTLEMENT SERVICES LLC, LEGACY SETTLEMENT SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4313 SERPENTINE RD, MIDDLETOWN, MD 21769-7518

Mortgage

Document Number	0016671303
Date	Nov 16, 2023
Instrument	16671/303

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4313 SERPENTINE RD, MIDDLETOWN, MD 21769-7518
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0134470216
Date	Jan 8, 2020
Book Page	13447/0216

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4313 SERPENTINE RD, MIDDLETOWN, MD 21769-7518
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	SOLIDIFI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0131650075
Date	Aug 23, 2019
Book Page	13165/0075

Lender

Name	STRONG HOME MORTGAGE LLC
Type	Mortgage Company
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 16, 2021
Property Address	4313 SERPENTINE RD, MIDDLETOWN, MD 21769-7518
Document Number	0151980485
Book / Page	15198 / 485
Map Reference	MB 17 PG 8
Instrument Date	Aug 10, 2021
Transaction Type	Transfer
Record Updated	Aug 26, 2021
Title Company	CROWN TITLE CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,300.00
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	4313 SERPENTINE RD, MIDDLETOWN, MD 21769-7518

Mortgage

Document Number	15198491
Date	Aug 16, 2021
Instrument	15198/491

Lender

Name	APEX HOME LOANS INC
Type	Mortgage Company

Agreement

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

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 1, 2018
Property Address	4313 SERPENTINE RD, MIDDLETOWN, MD 21769-7518
Document Number	0122990418
Book / Page	012299 / 000418
Instrument Date	Feb 27, 2018
Transaction Type	Transfer
Record Updated	Mar 8, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
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	4313 SERPENTINE RD MIDDLETOWN MD 217697518, MIDDLETOWN, MD 21769-7518

Mortgage

Document Number	122990424
Date	Mar 1, 2018
Book Page	012299/000424

Lender

Name	ACOPIA
Address	GOODLETTSVILLE, TN 37072

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 29, 2048

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		$479,200 (+10.33%) Land $113,100 Building $366,100	$479,200 (-) Land $113,100 Building $366,100
2025	$5,395.00 (+12.3%)	$434,333 (+26.04%)	$479,200 (+39.06%) Land $113,100 Building $366,100
2024	$4,804.00 (+16.43%)
2023	$4,126.00	$344,600 Land $80,900 Building $263,700	$344,600 Land $80,900 Building $263,700

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	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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