4645 Mount Zion Rd, Frederick, MD 21703 Property Records

Frederick County property record for 4645 Mount Zion Rd, Frederick, MD 21703

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,236 sqft · built 2012
Lot Size	0.926 acres (40,341 sqft)
Owner	2 Individual Names on File
Last Sale	$419,133 (Aug 2012)
Tax Bill	$6,600 (2024)
Deeds & Mortgages	Jun 2017 Line of Credit Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-466450`

Property Details

APN / Parcel Number

Primary APN	`24-466450`
Alternative APN	`466450`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,236 sqft Living Area
Gross Area	3,720 sqft
1st Floor Area	1,936 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	40,341 sqft (0.926 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	95 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	466450
Street Address	4645 MOUNT ZION RD
City	FREDERICK
State	MD
Zip	21703-6943
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 SECTION 2 .92 ACRES KINCAID FAMILY LLC
Legal Subdivision	KINCAID FAMILY LLC PRCL SEC 82
Legal Lot Number	4
Jurisdiction	FREDERICK MD
Township / Civil Division	24, BRADDOCK
Census Block Group	3
Census Block	3024
Census Tract	752602

Owner

4645 Mount Zion Rd is owned and occupied by two individuals who bought it in August 2012.

Source: Frederick County records, as of April 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4645 MOUNT ZION RD, FREDERICK, MD 21703-6943
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2017	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Dec 13, 2021	Deed of Trust, Mortgage · VA Mortgage PENTAGON FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2012 · Amount on File
Deed Sale	Aug 22, 2012 · Amount on File
Prior Sale	Apr 24, 2012 · Amount on File
Deed Book / Page	9049 / 94
Record Updated	Jun 8, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4645 MOUNT ZION RD, FREDERICK, MD 21703-6943
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	SERVICELINK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0118510176
Date	Jun 5, 2017
Book Page	11851/0176
Instrument	11851-0176

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	May 9, 2027

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4645 MOUNT ZION RD, FREDERICK, MD 21703-6943
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4645 MOUNT ZION RD, FREDERICK, MD 21703-6943

Mortgage

Document Number	0155630262
Date	Dec 13, 2021
Book Page	15563/262

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	357 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

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

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
2025		$574,233	$605,500 Land $127,300 Building $478,200
2024	$6,600.00 (+8.46%)
2023	$6,085.00 Homeowner's exemption	$511,700 Land $102,000 Building $409,700	$511,700 Land $102,000 Building $409,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4645 Mount Zion Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1985.

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

Wildfire risk around 4645 Mount Zion Rd is low, with a 0.01% annual chance of 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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