Frederick County property record for 4604 Granite Dr, Middletown, MD 21769
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,732 sqft · built 1989 |
| Lot Size | 0.193 acres (8,403 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $396,000 (Nov 2022) |
| Tax Bill | $5,351 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Aug 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-152502 |
| Primary APN | 03-152502 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,732 sqft Living Area |
| Gross Area | 3,260 sqft |
| 1st Floor Area | 1,316 sqft |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 8,403 sqft (0.193 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 130 sqft |
| Deck Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 152502 |
|---|---|
| Street Address | 4604 GRANITE DR |
| City | MIDDLETOWN |
| State | MD |
| Zip | 21769-7421 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LOT 413 SECT IV 8,403 SQ FT CREST MANOR ESTATES |
| Legal Subdivision | CREST MANOR ESTATES |
| Legal Lot Number | 413 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 24, BRADDOCK |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 752603 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 4604 GRANITE DR, MIDDLETOWN, MD 21769-7421 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 21, 2023 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Aug 4, 2020 | Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC |
| Oct 13, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 23, 2022 · Amount on Record |
| Deed Sale | Nov 23, 2022 · Amount on Record |
| Prior Sale | Aug 4, 2020 · Amount on Record |
| Deed Book / Page | 16235 / 193 |
| Prior Transfer Date | Sep 29, 2017 |
| Prior Transfer Doc | 0120790231 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4604 GRANITE DR, MIDDLETOWN, MD 21769-7421 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4604 GRANITE DR, MIDDLETOWN, MD 21769-7421 |
| Document Number | 0165680010 |
|---|---|
| Date | Aug 21, 2023 |
| Book Page | 16568/10 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Aug 15, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Aug 4, 2020 |
| Property Address | 4604 GRANITE DR, MIDDLETOWN, MD 21769-7421 |
| Document Number | 0139480188 |
| Book / Page | 13948 / 188 |
| Map Reference | MB 35 PL 158 |
| Instrument Date | Jul 17, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | LAKESIDE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,925.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4604 GRANITE DR, MIDDLETOWN, MD 21769-7421 |
| Document Number | 13948210 |
|---|---|
| Date | Aug 4, 2020 |
| Instrument | 13948/210 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Oct 13, 2017 |
| Property Address | 4604 GRANITE DR, MIDDLETOWN, MD 21769-7421 |
| Document Number | 0120790231 |
| Book / Page | 12079 / 0231 |
| Map Reference | MB35 PL158 |
| Instrument Date | Sep 29, 2017 |
| Instrument | 12079-0231 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | TITLE TOWN SETTLEMENT LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 4604 GRANITE DR, MIDDLETOWN, MD 21769-7421 |
| Document Number | 120790238 |
|---|---|
| Date | Oct 13, 2017 |
| Instrument | 12079-0238 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2047 |
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 | $473,300 (+36.95%) Land $97,000 Building $376,300 | $473,300 (+36.95%) Land $97,000 Building $376,300 | |
| 2025 | $5,351.00 (+29.31%) | ||
| 2023 | $4,138.00 | $345,600 Land $68,000 Building $277,600 | $345,600 Land $68,000 Building $277,600 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (2004) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2004 · tidal / storm surge |
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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 223 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Starlink Satellite | 280 / 30 |
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