4395 Agate Ct, Middletown, MD 21769 Property Records

Frederick County property record for 4395 Agate Ct, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,560 sqft · built 1975
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Feb 2018)
Tax Bill	$3,825 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-142620`

Property Details

APN / Parcel Number

Primary APN	`03-142620`
Alternative APNs	`3142620` `142620`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,560 sqft Living Area
1st Floor Area	1,040 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Split Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	15,000 sqft (0.344 acres)
Deck Area	171 sqft
Patio Area	171 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	142620
Street Address	4395 AGATE CT
City	MIDDLETOWN
State	MD
Zip	21769-7510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LT 9 BL Q SEC 1A .34 AC AGATE CRT AGATE COURT
Legal Subdivision	AGATE COURT
Legal Block	Q
Legal Lot Number	9
Jurisdiction	FREDERICK MD
Township / Civil Division	3, MIDDLETOWN
Census Block Group	3
Census Block	3009
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	4395 AGATE CT, MIDDLETOWN, MD 21769-7510
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2022	Deed of Trust, Mortgage · Line of Credit NYMEO FCU
Feb 15, 2018	Deed, Transfer · FHA Mortgage MILLENNIUM FINANCIAL GROUP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2018 · Amount on Record
Deed Sale	Feb 15, 2018 · Amount on Record
Prior Sale	Jun 20, 2013 · Amount on Record
Deed Book / Page	12279 / 331
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4395 AGATE CT, MIDDLETOWN, MD 21769-7510
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0158920387
Date	Apr 29, 2022
Book Page	15892/387

Lender

Name	NYMEO FCU
Type	Credit Union
Address	FREDERICK, MD 21703

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Feb 15, 2018
Property Address	4395 AGATE CT, MIDDLETOWN, MD 21769-7510
Document Number	0122790331
Book / Page	12279 / 0331
Map Reference	PL164
Instrument Date	Feb 12, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	COMMONWEALTH LAND TITLE INS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4395 AGATE CT, MIDDLETOWN, MD 21769-7510

Mortgage

Document Number	0012279341
Date	Feb 15, 2018
Instrument	12279/341

Lender

Name	MILLENNIUM FINANCIAL GROUP INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 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		$338,700 (+41.07%) Land $109,400 Building $229,300	$338,700 (+41.07%) Land $109,400 Building $229,300
2025	$3,825.00 (+31.85%)
2023	$2,901.00	$240,100 Land $78,200 Building $161,900	$240,100 Land $78,200 Building $161,900

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	7 in force

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 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 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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