5235 Mount Zion Rd, Frederick, MD 21703 Property Records

Frederick County property record for 5235 Mount Zion Rd, Frederick, MD 21703

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,827 sqft · built 1989
Lot Size	2.78 acres (121,097 sqft)
Owner	2 Individual Names on File
Last Sale	$427,000 (May 2018)
Tax Bill	$6,591 (2025)
Deeds & Mortgages	Nov 2020 Mortgage May 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`23-457997`

Property Details

APN / Parcel Number

Primary APN	`23-457997`
Alternative APN	`457997`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,827 sqft Living Area
Gross Area	3,611 sqft
1st Floor Area	1,331 sqft
Basement Area	300 sqft
Finished Basement	300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	121,097 sqft
Garage Type	Attached
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	800 sqft
Porch	Open Porch
Porch Area	848 sqft
Bath House	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	457997
Street Address	5235 MOUNT ZION RD
City	FREDERICK
State	MD
Zip	21703-5935
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 64-A SECT 1 2.78 ACRES HILLSIDE ESTATES
Legal Subdivision	ACRES HILLSIDE ESTATES
Legal Lot Number	64A
Jurisdiction	FREDERICK MD
Township / Civil Division	23, BALLENGER
Census Block Group	1
Census Block	1019
Census Tract	751004

Owner

5235 Mount Zion Rd is owned and occupied by two individuals who bought it in May 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	5235 MOUNT ZION RD, FREDERICK, MD 21703-5935
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Nov 6, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 19, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jan 11, 2019	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
May 4, 2018	Deed, Transfer · FHA Mortgage TOWNEBANK MORTGAGE
Apr 12, 2018	Grant Deed, Foreclosure SERVICELINK
Aug 16, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2018 · Amount on File
Deed Sale	May 4, 2018 · Amount on File
Prior Sale	Aug 16, 2017 · Amount on File
Deed Book / Page	12393 / 437
Prior Transfer Date	Jun 19, 2008
Prior Transfer Doc	0071220066
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	5235 MOUNT ZION RD, FREDERICK, MD 21703-5935
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0142410168
Date	Nov 6, 2020
Book Page	14241/168

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Sep 1, 2050

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	5235 MOUNT ZION RD, FREDERICK, MD 21703-5935
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0149080183
Date	May 19, 2021
Book Page	14908/183

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	5235 MOUNT ZION RD, FREDERICK, MD 21703-5935
Document Number	0128140290
Instrument Date	Jan 11, 2019
Transaction Type	Mortgage
Record Updated	Feb 6, 2019
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5235 MOUNT ZION RD FREDERICK MD 217035935, FREDERICK, MD 21703-5935

Mortgage

Document Number	0128140290
Date	Jan 28, 2019
Book Page	012814/000290

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 27, 2049

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 4, 2018
Property Address	5235 MOUNT ZION RD, FREDERICK, MD 21703-5935
Document Number	0123930437
Book / Page	12393 / 0437
Map Reference	MB81 PG19
Instrument Date	Apr 27, 2018
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	UNITED TITLE SERVICE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,067.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5235 AND 5229 MOUNT ZION RD, FREDERICK, MD 21703-5935

Mortgage

Document Number	0012393443
Date	May 4, 2018
Instrument	12393/443

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

April 2018: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 12, 2018
Property Address	5235 MOUNT ZION RD, FREDERICK, MD 21703-5935
Document Number	0123610434
Book / Page	012361 / 000434
Instrument Date	Oct 30, 2017
Transaction Type	Foreclosure
Record Updated	Jun 21, 2018
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

August 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 16, 2017
Property Address	5235 MOUNT ZION RD, FREDERICK, MD 21703-5935
Document Number	0119830250
Book / Page	011983 / 000250
Instrument Date	Feb 17, 2017
Transaction Type	Foreclosure
Record Updated	Sep 1, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$391.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3950 REGENT BLVD IRVING TX 750632244, IRVING, TX 75063-2244
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 5235 Mount Zion Rd was $6,591 with a homeowner's exemption, up 6.2% from the year before.

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		$616,500 (+8.02%) Land $116,100 Building $500,400	$616,500 (-) Land $116,100 Building $500,400
2025	$6,591.00 (+6.22%) Homeowner's exemption	$570,733	$616,500 Land $116,100 Building $500,400
2024	$6,205.00 (+8.78%)
2023	$5,704.00 Homeowner's exemption	$479,200 Land $116,100 Building $363,100	$479,200 Land $116,100 Building $363,100

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

Flood

FEMA maps place 5235 Mount Zion Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2018.

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	6 in force
Nearby Flood Claims	2 (2018)
Most Recent Claim	May 2018 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2018 · 2 claims

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 5235 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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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