4817 Mount Zion Rd, Frederick, MD 21703 Property Records

Frederick County property record for 4817 Mount Zion Rd, Frederick, MD 21703

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,568 sqft · built 1996
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,331 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Nov 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`23-438879`

Property Details

APN / Parcel Number

Primary APN	`23-438879`
Alternative APN	`438879`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,568 sqft Living Area
1st Floor Area	1,568 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	87,120 sqft
Porch	Open Porch
Porch Area	448 sqft
Deck Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	438879
Street Address	4817 MOUNT ZION RD
City	FREDERICK
State	MD
Zip	21703-5927
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	2 AC OFF S/S MT. ZION RD.
Jurisdiction	FREDERICK MD
Township / Civil Division	23, BALLENGER
Census Block Group	3
Census Block	3025
Census Tract	752602

Owner

4817 Mount Zion Rd is owned and occupied by two individuals.

Source: Frederick County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4817 MOUNT ZION RD, FREDERICK, MD 21703-5927
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
Sep 6, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Nov 10, 2018	Loan Modification, Mortgage · Conventional Mortgage SUNTRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4817 MOUNT ZION RD, FREDERICK, MD 21703-5927
Transaction Type	Mortgage
Record Updated	Mar 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4817 MOUNT ZION RD, FREDERICK, MD 21703-5927

Mortgage

Document Number	0161170335
Date	Sep 6, 2022
Book Page	16117/335

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 5, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FREDERICK MD
Property Address	4817 MOUNT ZION RD, FREDERICK, MD 21703-5927
Document Number	0127450152
Instrument Date	Nov 10, 2018
Transaction Type	Mortgage
Record Updated	Dec 21, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4817 MOUNT ZION RD FREDERICK MD 217035927, FREDERICK, MD 21703-5927

Mortgage

Document Number	0127450152
Date	Dec 7, 2018
Book Page	012745/000152

Lender

Name	SUNTRUST BK
Type	Bank
Address	BALTIMORE, MD 21202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 6, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4817 Mount Zion Rd was $4,331 with a homeowner's exemption.

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		$432,200 Land $141,000 Building $291,200	$432,200 Land $141,000 Building $291,200
2025	$4,331.00
2023	$3,755.00 Homeowner's exemption	$307,800 Land $95,600 Building $212,200	$307,800 Land $95,600 Building $212,200

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

Flood

FEMA maps place 4817 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 4817 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	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 36 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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