4637 Mount Zion Rd, Frederick, MD 21703 Property Records

Frederick County property record for 4637 Mount Zion Rd, Frederick, MD 21703

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,407 sqft · built 2013
Lot Size	1.06 acres (46,609 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Oct 2015)
Tax Bill	$7,620 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-466442`

Property Details

APN / Parcel Number

Primary APN	`24-466442`
Alternative APN	`466442`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,407 sqft Living Area
Gross Area	4,891 sqft
1st Floor Area	1,938 sqft
Basement Area	850 sqft
Finished Basement	850 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	46,609 sqft
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	168 sqft
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	466442
Street Address	4637 MOUNT ZION RD
City	FREDERICK
State	MD
Zip	21703-6943
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 SECTION 2 1.07 ACRES KINCAID FAMILY LLC
Legal Subdivision	KINCAID FAMILY LLC PRCL 82
Legal Lot Number	3
Jurisdiction	FREDERICK MD
Township / Civil Division	24, BRADDOCK
Census Block Group	3
Census Block	3024
Census Tract	752602

Owner

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	4637 MOUNT ZION RD, FREDERICK, MD 21703-6943
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC
Oct 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC
Nov 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2015 · Amount on Record
Deed Sale	Oct 28, 2015 · Amount on Record
Prior Sale	Jan 14, 2013 · Amount on Record
Deed Book / Page	10827 / 487
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4637 MOUNT ZION RD, FREDERICK, MD 21703-6943
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	ELEVATED NATL SETMNT SVCS LL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0138600306
Date	Jun 30, 2020
Book Page	13860/306

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4637 MOUNT ZION RD, FREDERICK, MD 21703-6943
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	ELEVATED NATL SETMNT SVCS LL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0141890273
Date	Oct 21, 2020
Book Page	14189/273

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jun 1, 2050

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4637 MOUNT ZION RD, FREDERICK, MD 21703-6943
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4637 MOUNT ZION RD, FREDERICK, MD 21703-6943

Mortgage

Document Number	0155250059
Date	Nov 29, 2021
Book Page	15525/59

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

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
2026		$656,400 (+17.55%) Land $130,500 Building $525,900	$656,400 (+17.55%) Land $130,500 Building $525,900
2025	$7,620.00 (+14.9%)
2023	$6,632.00 Homeowner's exemption	$558,400 Land $105,500 Building $452,900	$558,400 Land $105,500 Building $452,900

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	2 in force
Nearby Flood Claims	1 (1985)
Most Recent Claim	Nov 1985 · river or lake 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	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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