Frederick County property record for 4520 Reels Mill Rd, Frederick, MD 21704
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,248 sqft · built 1967 |
| Lot Size | 1.2 acres (52,272 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,124 (2025) |
| Deeds & Mortgages | Feb 2024 Line of Credit Feb 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-193211 |
| Primary APN | 07-193211 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,248 sqft Living Area |
| Gross Area | 1,560 sqft |
| 1st Floor Area | 1,248 sqft |
| Basement Area | 1 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 52,272 sqft |
| Garage Type | Attached |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 56 sqft |
| Patio Area | 480 sqft |
| Heating System | Baseboard |
|---|---|
| Sewer | Connected |
| Account Number | 193211 |
|---|---|
| Street Address | 4520 REELS MILL RD |
| City | FREDERICK |
| State | MD |
| Zip | 21704-7319 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | LT 2, 1.20 AC E/S REELS MILL RD. N/BALL RD. |
| Legal Subdivision | EDGEWOOD |
| Legal Lot Number | 2 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 7, URBANA |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 752206 |
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 | 4520 REELS MILL RD, FREDERICK, MD 21704-7319 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Feb 23, 2024 | Deed of Trust, Mortgage · Line of Credit CNB BANK INC |
| Feb 2, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4520 REELS MILL RD, FREDERICK, MD 21704-7319 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4520 REELS MILL RD, FREDERICK, MD 21704-7319 |
| Document Number | 0167720004 |
|---|---|
| Date | Feb 23, 2024 |
| Book Page | 16772/4 |
| Name | CNB BANK INC |
|---|---|
| Type | Bank |
| Address | BERKELEY SPRINGS, WV 25411 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4520 REELS MILL RD, FREDERICK, MD 21704-7319 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2022 |
| Title Company | AVENUE 365 LENDER SERVICES, AVENUE 365 LENDER SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 0157010133 |
|---|---|
| Date | Feb 2, 2022 |
| Book Page | 15701/133 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 1, 2042 |
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $362,167 (+19.17%) | $381,900 (+18.35%) Land $199,600 Building $182,300 | |
| 2025 | $4,124.00 (+14.56%) | ||
| 2023 | $3,600.00 Homeowner's exemption | $303,900 | $322,700 Land $154,500 Building $168,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
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.
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 |
4G LTE (outdoors only), no 5G reported
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