4397 Agate Ct, Middletown, MD 21769 Property Records

Frederick County property record for 4397 Agate Ct, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,496 sqft · built 1975
Lot Size	0.344 acres (15,000 sqft)
Owner	Individual Name on File
Last Sale	$269,250 (Nov 2018)
Tax Bill	$3,537 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-125904`

Property Details

APN / Parcel Number

Primary APN	`03-125904`
Alternative APNs	`3125904` `125904`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,496 sqft Living Area
Gross Area	2,084 sqft
1st Floor Area	996 sqft
Basement Area	500 sqft
Finished Basement	500 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Split Foyer
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	15,000 sqft (0.344 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	168 sqft
Deck Area	243 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	125904
Street Address	4397 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 8BL Q SEC 1A .34 A AGATE CT AGATE COURT
Legal Subdivision	AGATE COURT
Legal Block	Q
Legal Lot Number	8
Jurisdiction	FREDERICK MD
Township / Civil Division	3, MIDDLETOWN
Census Block Group	3
Census Block	3009
Census Tract	752603

Owner

4397 Agate Ct is owned and occupied by an individual who bought it in November 2018.

Source: Frederick County records, as of August 27, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	4397 AGATE CT, MIDDLETOWN, MD 21769-7510
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2026	Deed of Trust, Mortgage · Line of Credit GTE FEDERAL CREDIT UNION
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Nov 21, 2018	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2018 · Amount on File
Deed Sale	Nov 21, 2018 · Amount on File
Prior Sale	Jun 3, 2005
Deed Book / Page	12721 / 388
Transfer Doc	0053420001
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Recording Date	Aug 19, 2026
Property Address	4397 AGATE CT, MIDDLETOWN, MD 21769-7510
Document Number	1801000003
Book / Page	18013 / 3
Instrument Date	Aug 14, 2026
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	FREEDOM TITLE, FREINDS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4397 AGATE CT, MIDDLETOWN, MD 21769-7510

Mortgage

Document Number	1801000003,
Date	Aug 19, 2026
Book Page	18013/3

Lender

Name	GTE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4397 AGATE CT, MIDDLETOWN, MD 21769-7510
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0146050058
Date	Mar 1, 2021
Book Page	14605/58

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2036

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 21, 2018
Property Address	4397 AGATE CT, MIDDLETOWN, MD 21769-7510
Document Number	0127210388
Book / Page	12721 / 0388
Map Reference	MB10 FO164
Instrument Date	Nov 16, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	COMMONWEALTH LAND TITLE INS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$673.13
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
Address	4397 AGATE CT, MIDDLETOWN, MD 21769-7510

Mortgage

Document Number	0012721396
Date	Nov 21, 2018
Instrument	12721/396

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4397 Agate Ct was $3,537 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		$366,700 (+10.83%) Land $109,400 Building $257,300	$366,700 (-) Land $109,400 Building $257,300
2025	$3,537.00 (+6.28%) Homeowner's exemption	$330,867	$366,700 Land $109,400 Building $257,300
2024	$3,328.00 (+8.72%)
2023	$3,061.00 Homeowner's exemption	$259,200 Land $78,200 Building $181,000	$259,200 Land $78,200 Building $181,000

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

Flood

FEMA maps place 4397 Agate Ct in Zone X, an area of minimal flood risk.

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

Wildfire risk around 4397 Agate Ct is low, with less than 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 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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