4918 Arctic Tern Ct, Frederick, MD 21703 Property Records

Frederick County property record for 4918 Arctic Tern Ct, Frederick, MD 21703

Property Summary

Property Type	Townhouse
Details	4 ba · 1,240 sqft · built 1989
Lot Size	0.048 acres (2,095 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Apr 2017)
Tax Bill	$2,631 (2023)
Deeds & Mortgages	Oct 2023 Line of Credit May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-019597`

Property Details

APN / Parcel Number

Primary APN	`01-019597`
Alternative APNs	`1019597` `019597`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,240 sqft Total Area
1st Floor Area	632 sqft
Basement Area	500 sqft
Finished Basement	500 sqft

Exterior

Year Built	Built 1989
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,095 sqft (0.048 acres)
Porch	Open Porch
Porch Area	20 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	019597
Old Parcel Number	1019597
Street Address	4918 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 516 SEC 6 PLAT 1 2095 SQ FT ROBIN MEADOWS CLUSTER
Legal Subdivision	ROBIN MEADOWS CLUSTER
Legal Lot Number	516
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 25, 2023

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	4918 ARCTIC TERN CT, FREDERICK, MD 21703-7168
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
May 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage ADVISORS MORTGAGE GROUP LLC
Apr 11, 2017	Grant Deed, Transfer NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2017 · Amount on Record
Deed Sale	Apr 11, 2017 · Amount on Record
Prior Sale	Oct 17, 2016 · Amount on Record
Deed Document Number	0011761105
Deed Book / Page	11761 / 105
Record Updated	Jun 7, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4918 ARCTIC TERN CT, FREDERICK, MD 21703-7168
Transaction Type	Mortgage
Record Updated	Oct 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4918 ARCTIC TERN CT, FREDERICK, MD 21703-7168

Mortgage

Document Number	0166190446
Date	Oct 2, 2023
Book Page	16619/446

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 19, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4918 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	0137100487
Date	May 5, 2020
Book Page	13710/487

Lender

Name	ADVISORS MORTGAGE GROUP LLC
Type	Mortgage Company
Address	ASBURY PARK, NJ 07712

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 11, 2017
Property Address	4918 ARCTIC TERN CT, FREDERICK, MD 21703-7168
Document Number	0117610105
Book / Page	011761 / 000105
Instrument Date	Mar 31, 2017
Transaction Type	Transfer
Record Updated	Jul 20, 2017
Title Company	PASSPORT TITLE SERVICES LLC, PASSPORT TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	4918 ARCTIC TERN CT FREDERICK MD 217037168, FREDERICK, MD 21703-7168

Mortgage

Document Number	117610110
Date	Apr 11, 2017
Book Page	011761/000110

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 10, 2047

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	$2,631.00 Homeowner's exemption	$256,100	$270,500 Land $80,000 Building $190,500

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	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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