Frederick County property record for 4638 Cambria Rd, Frederick, MD 21703
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 2,640 sqft · built 2017 |
| Lot Size | 0.044 acres (1,936 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $470,000 (Apr 2026) |
| Tax Bill | $4,558 (2024) |
| Deeds & Mortgages | Feb 2022 Mortgage Apr 2026 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-592967 |
| Primary APN | 01-592967 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 2,640 sqft Living Area |
| Gross Area | 3,039 sqft |
| 1st Floor Area | 880 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 1,936 sqft (0.044 acres) |
| Garage Type | Attached |
| Garage Area | 399 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 592967 |
|---|---|
| Street Address | 4638 CAMBRIA RD |
| City | FREDERICK |
| State | MD |
| Zip | 21703-2968 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | LOT 136 PLAT 3 SECTI 1,936 SQ FT MANORS AT BALLENGER CREE |
| Legal Subdivision | MANORS AT BALLEGER CREEK |
| Legal Lot Number | 136 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 1, BUCKEYSTOWN |
| Census Block Group | 4 |
| Census Block | 4027 |
| Census Tract | 752301 |
Source: Frederick County records, as of April 14, 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 | 4638 CAMBRIA RD, FREDERICK, MD 21703-2968 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Feb 7, 2022 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 3, 2026 | Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION |
| Sep 10, 2019 | Deed of Trust, Mortgage · VA Mortgage PRIME CHOICE FUNDING INC |
| May 13, 2021 | Deed, Transfer · VA Mortgage PRESIDENTIAL BANK FSB |
| Mar 13, 2018 | Deed, Subdivision Related Transfer · VA Mortgage ACADEMY MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 3, 2026 · Amount on Record |
| Deed Sale | Apr 3, 2026 · Amount on Record |
| Prior Sale | May 13, 2021 · Amount on Record |
| Deed Book / Page | 17800 / 97 |
| Prior Transfer Date | Apr 24, 2019 |
| Prior Transfer Doc | 0129820429 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4638 CAMBRIA RD, FREDERICK, MD 21703-2968 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4638 CAMBRIA RD, FREDERICK, MD 21703-2968 |
| Document Number | 0157100321 |
|---|---|
| Date | Feb 7, 2022 |
| Book Page | 15710/321 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Apr 3, 2026 |
| Property Address | 4638 CAMBRIA RD, FREDERICK, MD 21703-2968 |
| Document Number | 1780000097 |
| Book / Page | 17800 / 97 |
| Instrument Date | Mar 31, 2026 |
| Transaction Type | Transfer |
| Record Updated | Apr 15, 2026 |
| Title Company | LAWYERS SIGNATURE SETTLEMENTS |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $474,700.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4638 CAMBRIA RD, FREDERICK, MD 21703-2968 |
| Document Number | 1780000102, |
|---|---|
| Date | Apr 3, 2026 |
| Book Page | 17800/102 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4638 CAMBRIA RD, FREDERICK, MD 21703-2968 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | SYNRGO INC |
| Name | Verified Name |
|---|
| Document Number | 0131990329 |
|---|---|
| Date | Sep 10, 2019 |
| Book Page | 13199/0329 |
| Name | PRIME CHOICE FUNDING INC |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 92780 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jul 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 13, 2021 |
| Property Address | 4638 CAMBRIA RD, FREDERICK, MD 21703-2968 |
| Document Number | 0148840001 |
| Book / Page | 14884 / 1 |
| Map Reference | MB 97 PG 15 |
| Instrument Date | Apr 28, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,000.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 4638 CAMBRIA RD, FREDERICK, MD 21703-2968 |
| Document Number | 148847 |
|---|---|
| Date | May 13, 2021 |
| Instrument | 14884/7 |
| Name | PRESIDENTIAL BANK FSB |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Mar 13, 2018 |
| Property Address | 4638 CAMBRIA RD, FREDERICK, MD 21703-2968 |
| Document Number | 0123150206 |
| Book / Page | 12315 / 0206 |
| Map Reference | MB97 PG15 |
| Instrument Date | Feb 23, 2018 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 2, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,720.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 4638 CAMBRIA RD, FREDERICK, MD 21703-2968 |
| Document Number | 0012315214 |
|---|---|
| Date | Mar 13, 2018 |
| Instrument | 12315/214 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2048 |
Source: Frederick County assessment roll, as of August 4, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $410,300 (+12.93%) | $458,300 (+18.64%) Land $105,000 Building $353,300 | |
| 2024 | $4,558.00 (+8.42%) | ||
| 2023 | $4,204.00 Homeowner's exemption | $363,333 | $386,300 Land $95,000 Building $291,300 |
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 | 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 99.1% of the US · lower than 98.5% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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 | NEW DESIGN - FREDERICK COUNTY serves 74,911 people · EPA ID MD0100030 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2025 |
| Lead | 3 ppb (2019) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 237 locations within half a mile, as of December 31, 2025
| Provider | Max 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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