Frederick County property record for 12103 Tracy Ct, Monrovia, MD 21770
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,398 sqft · built 2001 |
| Lot Size | 1.15 acres (50,094 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $435,000 (Dec 2014) |
| Tax Bill | $7,439 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-288511 |
| Primary APN | 09-288511 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 1 Story |
| Building Area | 3,398 sqft Living Area |
| Gross Area | 4,023 sqft |
| 1st Floor Area | 2,034 sqft |
| Basement Area | 1,364 sqft |
| Finished Basement | 1,364 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 50,094 sqft |
| Garage Type | Attached |
| Garage Area | 625 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 412 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 288511 |
|---|---|
| Street Address | 12103 TRACY CT |
| City | MONROVIA |
| State | MD |
| Zip | 21770-8734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 22 PLAT 3 SEC 2 1.1575 ACRE MITRA |
| Legal Subdivision | MITRA |
| Legal Lot Number | 22 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 9, NEW MARKET |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 752101 |
12103 Tracy Ct is owned and occupied by two individuals who bought it in December 2014.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12103 TRACY CT, MONROVIA, MD 21770-8734 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 18, 2014 · Amount on File |
| Deed Sale | Dec 18, 2014 · Amount on File |
| Prior Sale | Apr 5, 2001 · Amount on File |
| Deed Book / Page | 10326 / 57 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 12103 TRACY CT, MONROVIA, MD 21770-8734 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2021 |
| Title Company | GPN TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 12103 TRACY CT, MONROVIA, MD 21770-8734 |
| Document Number | 0146820113 |
|---|---|
| Date | Mar 22, 2021 |
| Book Page | 14682/113 |
| Name | SANDY SPRING BANK |
|---|---|
| Type | Bank |
| Address | OLNEY, MD 20832 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
The 2025 property tax bill for 12103 Tracy Ct was $7,439.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $635,600 | $674,500 Land $206,500 Building $468,000 | |
| 2025 | $7,439.00 | ||
| 2023 | $6,309.00 | $525,700 | $557,800 Land $165,300 Building $392,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12103 Tracy Ct 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 | 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 risk around 12103 Tracy Ct 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 83 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
5G and 4G LTE (outdoors only)
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