5649 Stone Rd, #B, Frederick, MD 21703 Property Records

Frederick County property record for 5649 Stone Rd, #B, Frederick, MD 21703

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,680 sqft · built 2022
Lot Size	4.44 acres (193,406 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Feb 2021)
Tax Bill	$4,418 (2023)
Deeds & Mortgages	Feb 2021 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`23-599282`

Property Details

APN / Parcel Number

Primary APN	`23-599282`
Alternative APN	`599282`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,680 sqft Total Area

Exterior

Year Built	Built 2022
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	193,406 sqft (4.44 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	599282
Street Address	5649 STONE RD # B, B
City	FREDERICK
State	MD
Zip	21703-6928
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 SECTION 1 4.44 ACRES MORELL PROPERTY
Legal Lot Number	3
Jurisdiction	FREDERICK MD
Township / Civil Division	23, BALLENGER
Census Block Group	1
Census Block	1019
Census Tract	751004

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
Co-owner	Co-owner on Record
Mailing Address	5649 STONE RD # B, B, FREDERICK, MD 21703-6928
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2021 · Amount on Record
Deed Sale	Feb 24, 2021 · Amount on Record
Deed Document Number	0014584130
Deed Book / Page	14584 / 130
Record Updated	Jun 7, 2026

February 2021: Deed, Construction Loan

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Feb 24, 2021
Property Address	5649 STONE RD # B, B, FREDERICK, MD 21703-6928
Document Number	0145840130
Book / Page	14584 / 130
Map Reference	MB 102 PL 153
Instrument Date	Jan 22, 2021
Transaction Type	Construction Loan
Record Updated	Aug 16, 2022

Transaction

Amount	Amount Recorded
Tax	$875.00
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	7261 PARKERS FARM LN, FREDERICK, MD 21703-7309

Mortgage

Document Number	0014584135
Date	Feb 24, 2021
Instrument	14584/135

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Feb 1, 2028
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	9.5%
Index	1-Year CMT
Max Rate	9.5%

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	$4,418.00	$364,400 Land $106,900 Building $257,500	$364,400 Land $106,900 Building $257,500

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	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

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 89 locations within half a mile, as of December 31, 2025

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