4423 Gene Hemp Rd, Jefferson, MD 21755 Property Records

Frederick County property record for 4423 Gene Hemp Rd, Jefferson, MD 21755

Property Summary

Property Type	Single Family Home
Details	1 ba · 960 sqft · built 1986
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on Record
Last Sale	$113,000 (Jun 1994)
Tax Bill	$2,483 (2023)
Deeds & Mortgages	Oct 2025 Reverse Mortgage Apr 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-318704`

Property Details

APN / Parcel Number

Primary APN	`14-318704`
Alternative APN	`318704`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Total Area
1st Floor Area	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	43,996 sqft (1.01 acres)
Deck Area	160 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	318704
Street Address	4423 GENE HEMP RD
City	JEFFERSON
State	MD
Zip	21755-8006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 SEC 1-1.015 AC CRAMPTON ACRES
Legal Subdivision	CRAMPTON ACRES
Legal Lot Number	2
Jurisdiction	FREDERICK MD
Township / Civil Division	14, JEFFERSON
Census Block Group	1
Census Block	1006
Census Tract	752502

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	2 Individual Names on Record
Mailing Address	4423 GENE HEMP RD, JEFFERSON, MD 21755-8006
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2025	Deed of Trust, Mortgage · Reverse Mortgage MILLENNIUM FINANCIAL GROUP INC
Apr 25, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 7, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 1994 · Amount on Record
Deed Sale	Jun 28, 1994 · Amount on Record
Deed Document Number	943684
Deed Book / Page	02024 / 00675
Record Updated	Jun 7, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4423 GENE HEMP RD, JEFFERSON, MD 21755-8006
Transaction Type	Mortgage
Record Updated	Oct 30, 2025
Title Company	ALLEGIANT REVERSE SERVICES, ALLEGIANT REVERSE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4423 GENE HEMP RD, JEFFERSON, MD 21755-8006

Mortgage

Document Number	0175580200
Date	Oct 15, 2025
Book Page	17558/200

Lender

Name	MILLENNIUM FINANCIAL GROUP INC
Type	Lending Institution
Address	MIDDLETOWN, MD 21769

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	977 Months
Due	Mar 30, 2107

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2025
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	10.6%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4423 GENE HEMP RD, JEFFERSON, MD 21755-8006
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0117830264
Date	Apr 25, 2017
Book Page	11783/0264
Instrument	11783-0264

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 7, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4423 GENE HEMP RD, JEFFERSON, MD 21755-8006
Document Number	0117830280
Instrument Date	Apr 7, 2017
Transaction Type	Mortgage
Record Updated	Jul 20, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4423 GENE HEMP RD JEFFERSON MD 217558006, JEFFERSON, MD 21755-8006

Mortgage

Document Number	0117830280
Date	Apr 25, 2017
Book Page	011783/000280

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 24, 2047

Interest

Rate Type	Adjustable Rate

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	$2,483.00 Homeowner's exemption	$208,800	$223,300 Land $120,100 Building $103,200

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
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2018 · Severe Storms And Flooding

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

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

May also be available: Verizon.

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