4910 Arctic Tern Ct, Frederick, MD 21703 Property Records

Frederick County property record for 4910 Arctic Tern Ct, Frederick, MD 21703

Property Summary

Property Type	Townhouse
Details	1.5 ba · 1,234 sqft · built 1989
Lot Size	0.046 acres (2,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$284,000 (Jan 2024)
Tax Bill	$2,778 (2024)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Nov 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-019635`

Property Details

APN / Parcel Number

Primary APN	`01-019635`
Alternative APNs	`1019635` `019635`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,234 sqft Living Area
1st Floor Area	634 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,000 sqft (0.046 acres)
Porch	Open Porch
Porch Area	24 sqft
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	019635
Street Address	4910 ARCTIC TERN CT
City	FREDERICK
State	MD
Zip	21703-7168
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R5
Legal Description	LOT 520 SEC 6 PLAT 1 2000 SQ FT ROBIN MEADOWS CLUSTER
Legal Subdivision	ROBIN MEADOWS CLUSTER
Legal Lot Number	520
Jurisdiction	FREDERICK MD
Township / Civil Division	1, BUCKEYSTOWN
Census Block Group	1
Census Block	1000
Census Tract	752301

Owner

Source: Frederick County records, as of September 9, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4910 ARCTIC TERN CT, FREDERICK, MD 21703-7168
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2024	Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC
Nov 28, 2023	Deed, Transfer
Jul 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage TIDEWATER MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2024 · Amount on Record
Deed Sale	Jan 31, 2024 · Amount on Record
Prior Sale	Nov 28, 2023 · Amount on Record
Transfer Doc	0038000001
Record Updated	Jun 8, 2026

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 31, 2024
Property Address	4910 ARCTIC TERN CT, FREDERICK, MD 21703-7168
Document Number	0167480001
Book / Page	16748 / 1
Map Reference	MB 36 FO 103
Instrument Date	Jan 19, 2024
Transaction Type	Transfer
Record Updated	Mar 25, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,420.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4910 ARCTIC TERN CT, FREDERICK, MD 21703-7168

Mortgage

Document Number	0000167487
Date	Jan 31, 2024
Instrument	16748/7

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 28, 2023
Property Address	4910 ARCTIC TERN CT, FREDERICK, MD 21703-7168
Document Number	0166820244
Book / Page	16682 / 244
Map Reference	MB 36 PL 103
Instrument Date	Nov 17, 2023
Transaction Type	Transfer
Record Updated	Dec 15, 2023

Transaction

Amount	Amount Recorded
Tax	$1,025.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	4127 TWIN ARCH RD, MOUNT AIRY, MD 21771-4117

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4910 ARCTIC TERN CT, FREDERICK, MD 21703-7168
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0139180293
Date	Jul 23, 2020
Book Page	13918/293

Lender

Name	TIDEWATER MORTGAGE SERVICES INC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

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

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

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
2025		$245,667 (+17.17%)	$292,600 (+31.68%) Land $100,000 Building $192,600
2024	$2,778.00 (+12.02%)
2023	$2,480.00 Homeowner's exemption	$209,667	$222,200 Land $80,000 Building $142,200

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	4 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 94% of the US · lower than 89% of Maryland
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NEW DESIGN - FREDERICK COUNTY serves 74,911 people · EPA ID MD0100030
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	3 ppb (2019) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 99 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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