4816 Mount Zion Rd, Frederick, MD 21703 Property Records

Frederick County property record for 4816 Mount Zion Rd, Frederick, MD 21703

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,740 sqft · built 2018
Lot Size	9.63 acres (419,483 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Jul 2017)
Tax Bill	$5,724 (2023)
Deeds & Mortgages	Oct 2020 Mortgage Mar 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-438593`

Property Details

APN / Parcel Number

Primary APN	`23-438593`
Alternative APN	`438593`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,740 sqft Total Area

Exterior

Year Built	Built 2018
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	419,483 sqft (9.63 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	294 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	438593
Street Address	4816 MOUNT ZION RD
City	FREDERICK
State	MD
Zip	21703-5928
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	9.63 AC MT. ZION RD.
Legal Subdivision	FIELDEREA
Legal Lot Number	4
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 September 25, 2023

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4816 MOUNT ZION RD, FREDERICK, MD 21703-5928
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Mar 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage SANDY SPRING BANK
Jul 13, 2017	Deed, Transfer · ARM SANDY SPRING BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2017 · Amount on Record
Deed Sale	Jul 13, 2017 · Amount on Record
Prior Sale	Aug 11, 2006 · Amount on Record
Deed Document Number	0011921203
Deed Book / Page	11921 / 203
Record Updated	Jun 7, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4816 MOUNT ZION RD, FREDERICK, MD 21703-5928
Transaction Type	Mortgage
Record Updated	Aug 17, 2022
Title Company	EXCALIBUR T&E LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4816 MOUNT ZION RD, FREDERICK, MD 21703-5928

Mortgage

Document Number	0141840226
Date	Oct 19, 2020
Book Page	14184/226

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4816 MOUNT ZION RD, FREDERICK, MD 21703-5928
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0123290506
Date	Mar 26, 2018
Book Page	12329/0506

Lender

Name	SANDY SPRING BANK
Type	Bank
Address	OLNEY, MD 20832

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jul 13, 2017
Property Address	4816 MOUNT ZION RD, FREDERICK, MD 21703-5928
Document Number	0119210203
Book / Page	11921 / 0203
Map Reference	MB85 PG62
Instrument Date	Jun 28, 2017
Instrument	11921-0203
Transaction Type	Transfer
Record Updated	Aug 17, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	424 ORCHARD CREST CIR, NEW MARKET, MD 21774-6542

Mortgage

Document Number	0119210209
Date	Jul 13, 2017
Instrument	11921-0209

Lender

Name	SANDY SPRING BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	372 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Jul 1, 2028
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	9%
Index	1-Year LIBOR
Max Rate	9%

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	$5,724.00 Homeowner's exemption	$480,900 Land $124,400 Building $356,500	$480,900 Land $124,400 Building $356,500

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

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