4400 Reels Mill Rd, Frederick, MD 21704 Property Records

Frederick County property record for 4400 Reels Mill Rd, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,280 sqft · built 2018
Lot Size	1.7 acres (74,052 sqft)
Owner	Individual Name on File
Last Sale	$486,000 (Nov 2018)
Tax Bill	$5,315 (2023)
Deeds & Mortgages	Sep 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-594856`

Property Details

APN / Parcel Number

Primary APN	`07-594856`
Alternative APN	`594856`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,280 sqft Total Area

Exterior

Year Built	Built 2018
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	74,052 sqft (1.7 acres)
Garage Type	Attached
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	304 sqft
Deck Area	392 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	594856
Street Address	4400 REELS MILL RD
City	FREDERICK
State	MD
Zip	21704-7758
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 SECTION 1 1.70 ACRES BERRY INK
Legal Subdivision	BERRY INK SEC 1
Legal Lot Number	1
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	1
Census Block	1010
Census Tract	752206

Owner

4400 Reels Mill Rd is owned and occupied by an individual who bought it in November 2018.

Source: Frederick County records, as of September 25, 2023

Owner of Record	Individual Name on File
Mailing Address	4400 REELS MILL RD, FREDERICK, MD 21704-7758
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
Sep 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Oct 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP
Nov 27, 2018	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2018 · Amount on File
Deed Sale	Nov 27, 2018 · Amount on File
Deed Document Number	0012724429
Deed Book / Page	12724 / 429
Record Updated	Jun 7, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4400 REELS MILL RD, FREDERICK, MD 21704-7758
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0152540321
Date	Sep 2, 2021
Book Page	15254/321

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	350 Months
Due	Nov 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4400 REELS MILL RD, FREDERICK, MD 21704-7758
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	MONOCACY TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0133080001
Date	Oct 29, 2019
Book Page	13308/0001

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 27, 2018
Property Address	4400 REELS MILL RD, FREDERICK, MD 21704-7758
Document Number	0127240429
Book / Page	12724 / 0429
Map Reference	MB98 PL153
Instrument Date	Nov 9, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	MONOCACY TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,430.00
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
Address	4400 REELS MILL RD, FREDERICK, MD 21704-7758

Mortgage

Document Number	0012724435
Date	Nov 27, 2018
Instrument	12724/435

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

Source: Frederick County assessment roll, as of July 1, 2023

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
2023	$5,315.00 Homeowner's exemption	$502,733	$553,700 Land $175,200 Building $378,500

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

Flood

FEMA maps place 4400 Reels Mill Rd 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	1 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 4400 Reels Mill 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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