1804 Willow Creek Ct, Frederick, MD 21702 Property Records

Frederick County property record for 1804 Willow Creek Ct, Frederick, MD 21702

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,538 sqft · built 1980
Lot Size	0.144 acres (6,250 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,674 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-046016`

Property Details

APN / Parcel Number

Primary APN	`02-046016`
Alternative APNs	`2046016` `046016`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,538 sqft Living Area
Gross Area	2,088 sqft
1st Floor Area	1,138 sqft
Basement Area	400 sqft
Finished Basement	400 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Split Foyer
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,250 sqft (0.144 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	046016
Street Address	1804 WILLOW CREEK CT
City	FREDERICK
State	MD
Zip	21702-3025
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	LT 26 SECT 4 PLAT 3 6250 SQ FT AMBER MEADOWS
Legal Subdivision	AMBER MDWS SEC 4 3
Legal Block	D
Legal Lot Number	26
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2014
Census Tract	750701

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Old National Pike Milestones listed 1975 · 69 contributing resources · NRIS 75002107

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

1804 Willow Creek Ct is owned and occupied by two individuals who acquired it in June 2021.

Source: Frederick County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1804 WILLOW CREEK CT, FREDERICK, MD 21702-3025
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2021	Intrafamily Transfer, Transfer · FHA Mortgage HOMESPIRE MORTGAGE CORP
Nov 6, 2020	Deed, Transfer · FHA Mortgage THE FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2021
Deed Sale	Jun 10, 2021
Prior Sale	Nov 6, 2020 · Amount on File
Deed Book / Page	14981 / 64
Prior Transfer Date	May 21, 2021
Prior Transfer Doc	0149810064
Record Updated	Oct 29, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Jun 10, 2021
Property Address	1804 WILLOW CREEK CT, FREDERICK, MD 21702-3025
Document Number	0149810064
Book / Page	14981 / 64
Map Reference	MB 21 PL 78
Instrument Date	May 21, 2021
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1804 WILLOW CREEK CT, FREDERICK, MD 21702-3025

Mortgage

Document Number	1498168
Date	Jun 10, 2021
Instrument	14981/68

Lender

Name	HOMESPIRE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 6, 2020
Property Address	1804 WILLOW CREEK CT, FREDERICK, MD 21702-3025
Document Number	0142460152
Book / Page	14246 / 152
Map Reference	MB 21 PL 78
Instrument Date	Sep 9, 2020
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	ATG TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$837.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1804 WILLOW CREEK CT, FREDERICK, MD 21702-3025

Mortgage

Document Number	14246159
Date	Nov 6, 2020
Instrument	14246/159

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1804 Willow Creek Ct was $6,674, up 7.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$381,067 (+5.62%)	$421,600 (+16.85%) Land $138,300 Building $283,300
2025	$6,674.00 (+7.82%)	$360,800 Land $114,600 Building $246,200	$360,800 Land $114,600 Building $246,200
2024	$6,190.00 (+11.07%)
2023	$5,573.00	$305,133	$360,800 Land $114,600 Building $246,200

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

Flood

FEMA maps place 1804 Willow Creek 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 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

The area around 1804 Willow Creek Ct has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	CITY OF FREDERICK serves 54,000 people · EPA ID MD0100015
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	1 ppb (2019–2021) action level 15 ppb

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 185 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20

May also be available: Glo Fiber.

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