6040 Mount Phillip Rd, Frederick, MD 21703 Property Records

Frederick County property record for 6040 Mount Phillip Rd, Frederick, MD 21703 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,653 sqft · built 1994
Lot Size	2.03 acres (88,427 sqft)
Owner	Individual Name on File
Last Sale	$430,000 (Jun 2002)
Tax Bill	$6,276 (2024)
Deeds & Mortgages	Nov 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`23-451395`

Property Details

APN / Parcel Number

Primary APN	`23-451395`
Alternative APN	`451395`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,653 sqft Living Area
Gross Area	4,229 sqft
1st Floor Area	1,424 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	88,427 sqft (2.03 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	4 Parking Spaces
Pool Area	512 sqft
Porch	Open Porch
Porch Area	840 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	451395
Street Address	6040 MOUNT PHILLIP RD
City	FREDERICK
State	MD
Zip	21703-5948
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 SEC 1 2.036 ACRES MARYS ENDEARMENT
Legal Subdivision	MARYS ENDEARMENT SEC I
Legal Lot Number	3
Jurisdiction	FREDERICK MD
Township / Civil Division	23, BALLENGER
Census Block Group	1
Census Block	1008
Census Tract	752602

Owner

Source: Frederick County records · APN 23-451395

Assessment roll updated August 4, 2025 · Last verified April 2026

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

Owner of Record	Individual Name on File
Mailing Address	6040 MOUNT PHILLIP RD, FREDERICK, MD 21703-5948
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 25, 2002 · Amount on Record
Deed Sale	Jun 25, 2002 · Amount on Record
Prior Sale	May 26, 1994 · Amount on Record
Deed Document Number	20024932
Deed Book / Page	3175 / 562
Last Transfer Date	May 24, 2006
Transfer Doc	0064040676
Record Updated	Jun 08, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	6040 MOUNT PHILLIP RD, FREDERICK, MD 21703-5948
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6040 MOUNT PHILLIP RD, FREDERICK, MD 21703-5948

Mortgage

Document Number	0162270047
Date	Nov 17, 2022
Book Page	16227/47

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Nov 04, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$627,900 (+30.84%)	$701,900 (+46.26%) Land $121,100 Building $580,800
2024	$6,276.00 (+8.73%)
2023	$5,772.00 Homeowner's exemption	$479,900 Land $95,700 Building $384,200	$479,900 Land $95,700 Building $384,200

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 240217526021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 1 individual NFIP policies nearby
Nearby Flood Policies	1 in force 1 of 1 on primary residences

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.