4738 Mount Zion Rd, Frederick, MD 21703 Property Records

Frederick County property record for 4738 Mount Zion Rd, Frederick, MD 21703

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,726 sqft · built 1989
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on Record
Last Sale	$625,000 (Oct 2021)
Tax Bill	$7,635 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-448335`

Property Details

APN / Parcel Number

Primary APN	`23-448335`
Alternative APN	`448335`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,726 sqft Living Area
Gross Area	4,347 sqft
1st Floor Area	1,377 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	44,867 sqft
Garage Type	Attached
Garage Area	621 sqft
Parking Spaces	2 Parking Spaces
Deck Area	504 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	448335
Street Address	4738 MOUNT ZION RD
City	FREDERICK
State	MD
Zip	21703-5926
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 1 SEC 1 1.038 ACRES SWEETWATER PASS
Legal Subdivision	SWEETWATER PASS
Legal Lot Number	1
Jurisdiction	FREDERICK MD
Township / Civil Division	23, BALLENGER
Census Block Group	1
Census Block	1009
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	Individual Name on Record
Mailing Address	4738 MOUNT ZION RD, FREDERICK, MD 21703-5926
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2021 · Amount on Record
Deed Sale	Oct 26, 2021 · Amount on Record
Prior Sale	Aug 23, 1989 · Amount on Record
Deed Book / Page	15428 / 272
Record Updated	Oct 29, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 26, 2021
Property Address	4738 MOUNT ZION RD, FREDERICK, MD 21703-5926
Document Number	0154280272
Book / Page	15428 / 272
Map Reference	MB 39 PG 79
Instrument Date	Sep 24, 2021
Transaction Type	Transfer
Record Updated	Nov 8, 2021
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,562.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	4738 MOUNT ZION RD, FREDERICK, MD 21703-5926

Mortgage

Document Number	15428279
Date	Oct 26, 2021
Instrument	15428/279

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

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		$671,500 (+35.63%) Land $105,200 Building $566,300	$671,500 (+35.63%) Land $105,200 Building $566,300
2025	$7,635.00 (+28.32%)
2023	$5,950.00	$495,100 Land $105,200 Building $389,900	$495,100 Land $105,200 Building $389,900

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	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.

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	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Mount Zion Rd

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