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545 Garden Gate Dr, Frederick, MD 21702 Property Records

Frederick County property record for 545 Garden Gate Dr, Frederick, MD 21702 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 ba · 2,622 sqft · built 2025
Lot Size0.198 acres (8,620 sqft)
Owner2 Individual Names on File
Last Sale$801,150 (Oct 2025)
Tax Bill$2,104 (2025)
Deeds & MortgagesMar 2026 Transfer
Oct 2025 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN02-607929

Property Details

APN / Parcel Number

Primary APN02-607929
Alternative APN
  • 607929

Interior

Full Baths3 Baths
Building Area2,622 sqft Living Area
Gross Area3,258 sqft
1st Floor Area1,772 sqft
Basement Area850 sqft
Finished Basement850 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2025
Effective Year BuiltEffective 2025
Roof MaterialComposition Shingle
Lot Area8,620 sqft (0.198 acres)
Garage TypeAttached
Garage Area420 sqft
PorchOpen Porch
Deck AreaDeck Area

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
SewerMunicipal

Location & Zoning

Account Number607929
Street Address545 GARDEN GATE DR
CityFREDERICK
StateMD
Zip21702-1769
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 10 BLOCK J 8,620 SQ FT BLOOMFIELDS
Legal SubdivisionBLOOMFIELDS
Legal BlockJ
JurisdictionFREDERICK MD
Township / Civil Division21, TUSCARORA
Census Block Group3
Census Block3019
Census Tract751301

Owner

Source: Frederick County records · APN 02-607929

Assessment roll updated August 7, 2026 · Last verified August 2026

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

Owner of Record2 Individual Names on File
Mailing Address545 GARDEN GATE DR, FREDERICK, MD 21702-1769
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Mar 30, 2026Intrafamily Transfer, Transfer
Oct 20, 2025Deed, Transfer · Conventional Mortgage
M & T BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 20, 2025 · Amount on Record
Deed SaleOct 20, 2025 · Amount on Record
Deed Book / Page17563 / 28
Last Transfer DateMar 13, 2026
Transfer Doc0177910441
Record UpdatedSep 20, 2026

March 2026: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionFREDERICK MD
Recording DateMar 30, 2026
Property Address545 GARDEN GATE DR, FREDERICK, MD 21702-1769
Document Number0177910441
Book / Page17791 / 441
Map ReferenceMB 112 PG 61
Instrument DateMar 13, 2026
Transaction TypeTransfer
Record UpdatedMay 07, 2026

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Severalty
Address545 GARDEN GATE DR, FREDERICK, MD 21702-1769

October 2025: Deed, Transfer

Document TypeDeed
JurisdictionFREDERICK MD
Recording DateOct 20, 2025
Property Address545 GARDEN GATE DR, FREDERICK, MD 21702-1769
Document Number0175630028
Book / Page17563 / 28
Map ReferenceMB 112 PG 61
Instrument DateOct 16, 2025
Transaction TypeTransfer
Record UpdatedNov 03, 2025
Title CompanyNVR SETTLEMENT SERVICES/MD INC, NVR STLMT SVCS OF MD INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,002.88
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address656 QUINCE ORCHARD RD # 500, 500, GAITHERSBURG, MD 20878-1409

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Severalty
Address545 GARDEN GATE DR, FREDERICK, MD 21702-1769

Mortgage

Document Number0001756333
DateOct 20, 2025
Instrument17563/33
Lender
NameM & T BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2055

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 7, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
MunicipalityFrederick City
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2026$600,733 (+421.02%)$719,600 (+524.11%) Land $156,000 Building $563,600
2025$2,104.00$115,300 Land $115,300$115,300 Land $115,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217513013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 3 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies3 in force
3 of 3 on primary residences

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Individually ListedOld National Pike Milestones
listed 1975 · 69 contributing resources · NRIS 75002107

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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