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4605 Cambria Rd, Frederick, MD 21703 Property Records

Frederick County property record for 4605 Cambria Rd, Frederick, MD 21703

Property Summary

Property TypeTownhouse
Details2.5 ba · 2,640 sqft · built 2017
Lot Size0.044 acres (1,936 sqft)
OwnerIndividual Name on Record
Last Sale$314,990 (Jan 2018)
Tax Bill$4,811 (2025)
Deeds & MortgagesOct 2020 Mortgage
Jan 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN01-592927

Property Details

APN / Parcel Number

Primary APN01-592927
Alternative APN
  • 592927

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Stories3 Stories
Building Area2,640 sqft Living Area
Gross Area3,039 sqft
1st Floor Area880 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Architectural StyleTownhouse
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area1,936 sqft (0.044 acres)
Garage TypeAttached
Garage Area399 sqft
Parking Spaces1 Parking Space
Deck Area180 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Account Number592927
Street Address4605 CAMBRIA RD
CityFREDERICK
StateMD
Zip21703-2969
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Legal DescriptionLOT 3 PLAT 3 SECTION 1,936 SQ FT MANORS AT BALLENGER CREE
Legal SubdivisionMONORS AT BALLENGER CREEK
Legal Lot Number3
JurisdictionFREDERICK MD
Township / Civil Division1, BUCKEYSTOWN
Census Block Group4
Census Block4019
Census Tract752301

Owner

Source: Frederick County records, as of April 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Mailing Address4605 CAMBRIA RD, FREDERICK, MD 21703-2969
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 8, 2020Deed of Trust, Mortgage · Conventional Mortgage
SEVERN SAVINGS BANK FSB
Jan 26, 2018Deed, Subdivision Related Transfer · Conventional Mortgage
DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 26, 2018 · Amount on Record
Deed SaleJan 26, 2018 · Amount on Record
Deed Document Number201812251-0161
Deed Book / Page12251 / 161
Record UpdatedJun 8, 2026

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address4605 CAMBRIA RD, FREDERICK, MD 21703-2969
Transaction TypeMortgage
Record UpdatedFeb 10, 2021
Title CompanyLEGACY HOUSE TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address4605 CAMBRIA RD, FREDERICK, MD 21703-2969

Mortgage

Document Number0141570178
DateOct 8, 2020
Book Page14157/178
Lender
NameSEVERN SAVINGS BANK FSB
TypeBank
AddressANNAPOLIS, MD 21401
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2050

January 2018: Deed, Subdivision Related Transfer

Document TypeDeed
JurisdictionFREDERICK MD
Recording DateJan 26, 2018
Property Address4605 CAMBRIA RD, FREDERICK, MD 21703-2969
Document Number0122510161
Book / Page12251 / 0161
Map ReferenceMB97 PG15
Instrument DateDec 21, 2017
Instrument12251-0161
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 9, 2021
Title CompanyRESIDENTIAL TITLE & ESCROW C

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,780.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address4605 CAMBRIA RD, FREDERICK, MD 21703-2969

Mortgage

Document Number122510171
DateJan 26, 2018
Instrument12251-0171
Lender
NameDHI MORTGAGE COMPANY LTD
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 1, 2048

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,811.00 (+14.88%) Homeowner's exemption$408,667 (+12.91%)$456,400 (+18.61%) Land $105,000 Building $351,400
2023$4,188.00 Homeowner's exemption$361,933$384,800 Land $95,000 Building $289,800

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 RiskLow
lower than 99.1% of the US · lower than 98.5% of Maryland
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemNEW DESIGN - FREDERICK COUNTY
serves 74,911 people · EPA ID MD0100030
Water SourceSurface water
Last State InspectionJan 2025
Lead3 ppb (2019)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 237 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
Verizon
Fixed Wireless · Fiber in parts of the area		300 / 20
AT&T
Fixed Wireless		100 / 20

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