Frederick County property record for 635 Central Ave, Brunswick, MD 21716
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,556 sqft · built 1975 |
| Lot Size | 0.813 acres (35,432 sqft) |
| Owner | Individual Name on File |
| Last Sale | $178,000 (Oct 2002) |
| Tax Bill | $4,455 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Jun 2022 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-463250 |
| Primary APN | 25-463250 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,556 sqft Living Area |
| 1st Floor Area | 1,556 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 35,432 sqft (0.813 acres) |
| Garage Area | 600 sqft |
| Porch | Open Porch |
| Porch Area | 160 sqft |
| Heating System | HVAC |
|---|---|
| Sewer | Municipal |
| Account Number | 463250 |
|---|---|
| Street Address | 635 CENTRAL AVE |
| City | BRUNSWICK |
| State | MD |
| Zip | 21716-1027 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LTS 1-4 181X208X163X 204 635 CENTRAL AVE |
| Legal Subdivision | BRUNSWICK |
| Legal Lot Number | 1-4 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 25, BRUNSWICK |
| Census Block Group | 6 |
| Census Block | 6010 |
| Census Tract | 775302 |
635 Central Ave is owned and occupied by an individual who acquired it in December 2025.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 635 CENTRAL AVE, BRUNSWICK, MD 21716-1027 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Jun 9, 2022 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC |
| Aug 21, 2023 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC |
| Dec 17, 2025 | Intrafamily Transfer, Transfer · Conventional Mortgage STATE EMPLOYEES CU OF MARYLAND INC |
| Jan 3, 2018 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Jan 2, 2018 | Deed of Trust, Mortgage · Line of Credit STATE EMP CU/MD |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 16, 2002 · Amount on File |
| Deed Sale | Oct 16, 2002 · Amount on File |
| Deed Document Number | 20028076 |
| Deed Book / Page | 3294 / 355 |
| Last Transfer Date | Dec 8, 2025 |
| Transfer Doc | 0176470051 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 635 CENTRAL AVE, BRUNSWICK, MD 21716-1027 |
| Transaction Type | Mortgage |
| Record Updated | Jan 1, 2026 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0148230482 |
|---|---|
| Date | Apr 29, 2021 |
| Book Page | 14823/482 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 635 CENTRAL AVE, BRUNSWICK, MD 21716-1027 |
| Transaction Type | Mortgage |
| Record Updated | Jan 1, 2026 |
| Title Company | SECU TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0159710107 |
|---|---|
| Date | Jun 9, 2022 |
| Book Page | 15971/107 |
| Name | STATE EMPLOYEES CU OF MARYLAND INC |
|---|---|
| Type | Credit Union |
| Address | LINTHICUM HEIGHTS, MD 21090 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 635 CENTRAL AVE, BRUNSWICK, MD 21716-1027 |
| Transaction Type | Mortgage |
| Record Updated | Jan 1, 2026 |
| Title Company | SECU TITLE SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 635 CENTRAL AVE, BRUNSWICK, MD 21716-1027 |
| Document Number | 0165680177 |
|---|---|
| Date | Aug 21, 2023 |
| Book Page | 16568/177 |
| Name | STATE EMPLOYEES CU OF MARYLAND INC |
|---|---|
| Type | Credit Union |
| Address | LINTHICUM HEIGHTS, MD 21090 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Dec 17, 2025 |
| Property Address | 635 CENTRAL AVE, BRUNSWICK, MD 21716-1027 |
| Document Number | 0176470051 |
| Book / Page | 17647 / 51 |
| Map Reference | MB 3 FO 135 |
| Instrument Date | Dec 8, 2025 |
| Transaction Type | Transfer |
| Record Updated | Jan 1, 2026 |
| Title Company | SECU TITLE SERVICES LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 635 CENTRAL AVE, BRUNSWICK, MD 21716-1027 |
| Document Number | 0001764756 |
|---|---|
| Date | Dec 17, 2025 |
| Instrument | 17647/56 |
| Name | STATE EMPLOYEES CU OF MARYLAND INC |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Jan 1, 2036 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 10% |
| Index | 1-Year T-Bill |
| Max Rate | 11% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 635 CENTRAL AVE, BRUNSWICK, MD 21716-1027 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|
| Document Number | 0122140333 |
|---|---|
| Date | Jan 3, 2018 |
| Book Page | 12214/0333 |
| Instrument | 12214-0333 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Dec 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 635 CENTRAL AVE, BRUNSWICK, MD 21716-1027 |
| Document Number | 0122540292 |
| Book / Page | 012254 / 000292 |
| Instrument Date | Jan 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2018 |
| Title Company | SECU TITLE SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 635 CENTRAL AVE BRUNSWICK MD 217161027, BRUNSWICK, MD 21716-1027 |
| Document Number | 0122540292 |
|---|---|
| Date | Jan 29, 2018 |
| Book Page | 012254/000292 |
| Name | STATE EMP CU/MD |
|---|---|
| Type | Credit Union |
| Address | LINTHICUM, MD 21090 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 635 Central Ave was $4,455, up 7.6% from the year before.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Brunswick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $293,133 (+7.66%) | $314,000 (-) Land $122,200 Building $191,800 | |
| 2025 | $4,455.00 (+7.56%) Homeowner's exemption | $272,267 | $314,000 Land $122,200 Building $191,800 |
| 2024 | $4,142.00 (+5.8%) | ||
| 2023 | $3,915.00 | $241,933 | $251,400 Land $102,400 Building $149,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 635 Central Ave in Zone X, an area of minimal flood risk.
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 | 2 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 risk around 635 Central Ave 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF BRUNSWICK serves 7,312 people · EPA ID MD0100005 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 67 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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