4651 Mount Zion Rd, Frederick, MD 21703 Property Records

Frederick County property record for 4651 Mount Zion Rd, Frederick, MD 21703

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,616 sqft · built 2013
Lot Size	1.17 acres (51,401 sqft)
Owner	Individual Name on Record
Last Sale	$695,000 (Nov 2023)
Tax Bill	$6,505 (2023)
Deeds & Mortgages	Nov 2023 Sale & Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-466469`

Property Details

APN / Parcel Number

Primary APN	`24-466469`
Alternative APN	`466469`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,616 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	51,401 sqft (1.17 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	30 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	466469
Street Address	4651 MOUNT ZION RD
City	FREDERICK
State	MD
Zip	21703-6943
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 SECTION 2 1.18 ACRES KINCAID FAMILY LLC
Legal Subdivision	KINCAID FAMILY LLC PRCL SEC 82
Legal Lot Number	5
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 December 1, 2023

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
Co-owner	Co-owner on Record
Mailing Address	4651 MOUNT ZION RD, FREDERICK, MD 21703-6943
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2023	Deed, Transfer · Conventional Mortgage SHORE UNITED BANK NA
May 24, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 30, 2018	Grant Deed, Transfer · VA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2023 · Amount on Record
Deed Sale	Nov 14, 2023 · Amount on Record
Prior Sale	Nov 30, 2018 · Amount on Record
Deed Document Number	0016667461
Deed Book / Page	16667 / 461
Record Updated	Jun 7, 2026

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 14, 2023
Property Address	4651 MOUNT ZION RD, FREDERICK, MD 21703-6943
Document Number	0166670461
Book / Page	16667 / 461
Map Reference	MB 85 PG 109&110
Instrument Date	Oct 30, 2023
Transaction Type	Transfer
Record Updated	Dec 4, 2023
Title Company	ASSURE TITLE, ASSURANCE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,475.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4651 MOUNT ZION RD, FREDERICK, MD 21703-6943

Mortgage

Document Number	0016667468
Date	Nov 14, 2023
Instrument	16667/468

Lender

Name	SHORE UNITED BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2053

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4651 MOUNT ZION RD, FREDERICK, MD 21703-6943
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0149200442
Date	May 24, 2021
Book Page	14920/442

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 30, 2018
Property Address	4651 MOUNT ZION RD, FREDERICK, MD 21703-6943
Document Number	0127340037
Book / Page	012734 / 000037
Instrument Date	Nov 15, 2018
Transaction Type	Transfer
Record Updated	Dec 14, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$545.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4651 MOUNT ZION RD FREDERICK MD 217036943, FREDERICK, MD 21703-6943

Mortgage

Document Number	127340045
Date	Nov 30, 2018
Book Page	012734/000045

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 29, 2048

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

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
2023	$6,505.00 Homeowner's exemption	$547,600 Land $106,400 Building $441,200	$547,600 Land $106,400 Building $441,200

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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