10 Larch Ln, Middletown, MD 21769 Property Records

Frederick County property record for 10 Larch Ln, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,018 sqft · built 1974
Lot Size	0.33 acres (14,374 sqft)
Owner	Individual Name on Record
Last Sale	$391,000 (Oct 2015)
Tax Bill	$6,915 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-142043`

Property Details

APN / Parcel Number

Primary APN	`03-142043`
Alternative APNs	`3142043` `142043`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,018 sqft Living Area
Gross Area	3,570 sqft
1st Floor Area	1,771 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	14,374 sqft (0.33 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	412 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	142043
Street Address	10 LARCH LN
City	MIDDLETOWN
State	MD
Zip	21769-7823
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 47 SEC 3 90.29X193.97X70X192.20 WOODMERE SOUTH
Legal Subdivision	WOODMERE SOUTH
Legal Lot Number	47
Jurisdiction	FREDERICK MD
Township / Civil Division	3, MIDDLETOWN
Census Block Group	4
Census Block	4000
Census Tract	752601

Owner

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	Individual Name on Record
Mailing Address	10 LARCH LN, MIDDLETOWN, MD 21769-7823
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDDLETOWN VALLEY BANK
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2015 · Amount on Record
Deed Sale	Oct 5, 2015 · Amount on Record
Prior Sale	Apr 5, 2011 · Amount on Record
Deed Book / Page	10786 / 351
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	10 LARCH LN, MIDDLETOWN, MD 21769-7823
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0134500148
Date	Jan 9, 2020
Book Page	13450/0148

Lender

Name	MIDDLETOWN VALLEY BANK
Type	Bank
Address	MIDDLETOWN, MD 21769

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.07%
Type Change Date	Feb 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.07%
Index	1-Year LIBOR
Max Rate	10%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	10 LARCH LN, MIDDLETOWN, MD 21769-7823
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	AMC SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 LARCH LN, MIDDLETOWN, MD 21769-7823

Mortgage

Document Number	0142720001
Date	Nov 16, 2020
Book Page	14272/1

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$507,500 (+28.87%) Land $95,000 Building $412,500	$507,500 (+28.87%) Land $95,000 Building $412,500
2025	$6,915.00 (+23.13%)
2023	$5,616.00	$393,800 Land $79,200 Building $314,600	$393,800 Land $79,200 Building $314,600

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	1 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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 163 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 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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