4851 Mount Zion Rd, Frederick, MD 21703 Property Records

Frederick County property record for 4851 Mount Zion Rd, Frederick, MD 21703

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,716 sqft · built 1994
Lot Size	1.66 acres (72,745 sqft)
Owner	Individual Name on Record
Last Sale	$419,900 (Aug 2005)
Tax Bill	$4,700 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-454092`

Property Details

APN / Parcel Number

Primary APN	`23-454092`
Alternative APN	`454092`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,716 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	700 sqft
Finished Basement	700 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	72,745 sqft
Porch	Open Porch
Porch Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	454092
Street Address	4851 MOUNT ZION RD
City	FREDERICK
State	MD
Zip	21703-5927
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 116-C BLK C. SECTION 3-1.672 ACRES MT. ZION ESTATES
Legal Subdivision	ZION ESTATES
Legal Block	C
Legal Lot Number	116C
Jurisdiction	FREDERICK MD
Township / Civil Division	23, BALLENGER
Census Block Group	3
Census Block	3025
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	4851 MOUNT ZION RD, FREDERICK, MD 21703-5927
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING
Jan 23, 2017	Deed of Trust, Mortgage FARM CREDIT SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2005 · Amount on Record
Deed Sale	Aug 30, 2005 · Amount on Record
Prior Sale	Nov 22, 1994 · Amount on Record
Deed Document Number	200556583
Deed Book / Page	5529 / 701
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4851 MOUNT ZION RD, FREDERICK, MD 21703-5927
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0152570376
Date	Sep 2, 2021
Book Page	15257/376

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Jan 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4851 MOUNT ZION RD, FREDERICK, MD 21703-5927
Document Number	0116410341
Book / Page	011641 / 000341
Instrument Date	Jan 23, 2017
Transaction Type	Mortgage
Record Updated	Mar 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4851 MOUNT ZION RD FREDERICK MD 217035927, FREDERICK, MD 21703-5927

Mortgage

Document Number	0116410341
Date	Jan 30, 2017
Book Page	011641/000341

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	WESTMINSTER, MD 21157

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 29, 2047

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		$404,800 (+31.43%) Land $94,200 Building $310,600	$404,800 (+31.43%) Land $94,200 Building $310,600
2025	$4,700.00 (+25.1%)
2023	$3,757.00	$308,000 Land $94,200 Building $213,800	$308,000 Land $94,200 Building $213,800

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	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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