4402 Reels Mill Rd, Frederick, MD 21704 Property Records

Frederick County property record for 4402 Reels Mill Rd, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,640 sqft · built 2020
Lot Size	1.61 acres (70,132 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Sep 2019)
Tax Bill	$7,648 (2023)
Deeds & Mortgages	Sep 2021 Line of Credit Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-594857`

Property Details

APN / Parcel Number

Primary APN	`07-594857`
Alternative APN	`594857`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,640 sqft Total Area
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	70,132 sqft (1.61 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	188 sqft
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	594857
Street Address	4402 REELS MILL RD
City	FREDERICK
State	MD
Zip	21704-7758
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 SECTION 1 1.61 ACRES BERRY INK
Legal Subdivision	BERRY INK SEC 1
Legal Lot Number	2
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	1
Census Block	1010
Census Tract	752206

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4402 REELS MILL RD, FREDERICK, MD 21704-7758
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2021	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Oct 8, 2020	Deed of Trust, Mortgage · Conventional with PMI PRESIDENTIAL BK
Sep 9, 2019	Deed, Construction Loan · Construction Mortgage PRESIDENTIAL BANK FSB
May 25, 2018	Deed, Transfer · Commercial Mortgage FREDERICK COUNTY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2019 · Amount on Record
Deed Sale	Sep 9, 2019 · Amount on Record
Prior Sale	May 25, 2018 · Amount on Record
Deed Document Number	0013196308
Deed Book / Page	13196 / 308
Record Updated	Jun 7, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4402 REELS MILL RD, FREDERICK, MD 21704-7758
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0153130137
Date	Sep 22, 2021
Book Page	15313/137

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4402 REELS MILL RD, FREDERICK, MD 21704-7758
Document Number	0141940363
Instrument Date	Oct 8, 2020
Transaction Type	Mortgage
Record Updated	Oct 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4402 REELS MILL RD FREDERICK MD 217047758, FREDERICK, MD 21704-7758

Mortgage

Document Number	0141940363
Date	Oct 22, 2020
Book Page	014194/000363

Lender

Name	PRESIDENTIAL BK
Type	Bank
Address	BETHESDA, MD 20814

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2050

September 2019: Deed, Construction Loan

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 9, 2019
Property Address	4402 REELS MILL RD, FREDERICK, MD 21704-7758
Document Number	0131960308
Book / Page	13196 / 0308
Map Reference	MB 98 PL 153
Instrument Date	Aug 30, 2019
Transaction Type	Construction Loan
Record Updated	Aug 11, 2022

Transaction

Amount	Amount Recorded
Tax	$975.00
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	9653 BOTHWELL LN, FREDERICK, MD 21704-7887

Mortgage

Document Number	0131960314
Date	Sep 9, 2019
Instrument	13196/0314

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Sep 1, 2026
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	10%
Index	1-Year CMT
Max Rate	10%

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 25, 2018
Property Address	4402 REELS MILL RD, FREDERICK, MD 21704-7758
Document Number	0124320375
Book / Page	12432 / 0375
Map Reference	MB98 PG153
Instrument Date	May 18, 2018
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
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	5347 SAINT JAMES PL, FREDERICK, MD 21703-2835

Mortgage

Document Number	0012432380
Date	May 25, 2018
Instrument	12432/380

Lender

Name	FREDERICK COUNTY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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	$7,648.00 Homeowner's exemption	$669,067	$712,200 Land $174,500 Building $537,700

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	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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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