Frederick County property record for 1 N Pointe Ter, Middletown, MD 21769
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,908 sqft · built 2002 |
| Lot Size | 0.575 acres (25,040 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $395,000 (Dec 2018) |
| Tax Bill | $6,409 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-162796 |
| Primary APN | 03-162796 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,908 sqft Living Area |
| Gross Area | 3,920 sqft |
| 1st Floor Area | 1,276 sqft |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 25,040 sqft (0.575 acres) |
| Garage Type | Attached |
| Garage Area | 700 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 312 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 162796 |
|---|---|
| Street Address | 1 N POINTE TER |
| City | MIDDLETOWN |
| State | MD |
| Zip | 21769-8058 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 47 PLAT 2 25,040 SQ.FT. NORTH POINTE |
| Legal Subdivision | NORTH POINTE |
| Legal Lot Number | 47 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 3, MIDDLETOWN |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 752601 |
Source: Frederick County records, as of August 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1 N POINTE TER, MIDDLETOWN, MD 21769-8058 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CF BANK |
| Jan 22, 2020 | Deed of Trust, Mortgage · Conventional with PMI CFBANK NA |
| Dec 7, 2018 | Grant Deed, Transfer · Conventional with PMI NFM LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 7, 2018 · Amount on Record |
| Deed Sale | Dec 7, 2018 · Amount on Record |
| Prior Sale | Aug 22, 2002 · Amount on Record |
| Deed Book / Page | 12742 / 160 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 1 N POINTE TER, MIDDLETOWN, MD 21769-8058 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | SOLIDIFI TITLE & CLOSING LLC |
| Name | Verified Name |
|---|---|
| Address | 1 N POINTE TER, MIDDLETOWN, MD 21769-8058 |
| Document Number | 0143780358 |
|---|---|
| Date | Dec 18, 2020 |
| Book Page | 14378/358 |
| Name | CF BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43085 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 1 N POINTE TER, MIDDLETOWN, MD 21769-8058 |
| Document Number | 0135320091 |
| Instrument Date | Jan 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2020 |
| Title Company | SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1 N POINTE TER MIDDLETOWN MD 217698058, MIDDLETOWN, MD 21769-8058 |
| Document Number | 0135320091 |
|---|---|
| Date | Feb 18, 2020 |
| Book Page | 013532/000091 |
| Name | CFBANK NA |
|---|---|
| Address | WORTHINGTON, OH 43085 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 17, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Dec 7, 2018 |
| Property Address | 1 N POINTE TER, MIDDLETOWN, MD 21769-8058 |
| Document Number | 0127420160 |
| Book / Page | 012742 / 000160 |
| Instrument Date | Nov 30, 2018 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2018 |
| Title Company | RGS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $395.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1 N POINTE TER MIDDLETOWN MD 217698058, MIDDLETOWN, MD 21769-8058 |
| Document Number | 127420166 |
|---|---|
| Date | Dec 7, 2018 |
| Book Page | 012742/000166 |
| Name | NFM LNDG |
|---|---|
| Address | LINTHICUM, MD 21090 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 6, 2048 |
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Middletown Town |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $569,900 (+45.61%) Land $143,000 Building $426,900 | $569,900 (+45.61%) Land $143,000 Building $426,900 | |
| 2025 | $6,409.00 (+14.79%) | ||
| 2023 | $5,583.00 Homeowner's exemption | $391,400 Land $116,500 Building $274,900 | $391,400 Land $116,500 Building $274,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 6, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | None beyond ember reach |
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 | TOWN OF MIDDLETOWN serves 5,132 people · EPA ID MD0100018 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| 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 220 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glo Fiber Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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