2945 Verdugo Ct, Frederick, MD 21704 Property Records

Frederick County property record for 2945 Verdugo Ct, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	7 ba · 4,608 sqft · built 2018
Lot Size	1.48 acres (64,469 sqft)
Owner	Individual Name on File
Last Sale	$901,998 (Jun 2018)
Tax Bill	$10,902 (2023)
Deeds & Mortgages	Dec 2020 Mortgage Jun 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-595028`

Property Details

APN / Parcel Number

Primary APN	`07-595028`
Alternative APN	`595028`

Interior

Full Baths	7 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,608 sqft Total Area
Basement Area	1,800 sqft
Finished Basement	1,800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	64,469 sqft (1.48 acres)
Garage Type	Mixed
Garage Area	758 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	231 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	595028
Street Address	2945 VERDUGO CT
City	FREDERICK
State	MD
Zip	21704-8048
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 40 PLAT 6 1.48 ACRES RAMSBURG ESTATES
Legal Subdivision	ACRES RAMSBURG ESTATES
Legal Lot Number	40
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	1
Census Block	1015
Census Tract	752201

Owner

2945 Verdugo Ct is owned and occupied by an individual who bought it in June 2018.

Source: Frederick County records, as of September 25, 2023

Owner of Record	Individual Name on File
Mailing Address	2945 VERDUGO CT, FREDERICK, MD 21704-8048
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC
Jun 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK
Jun 22, 2018	Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC
Jan 10, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2018 · Amount on File
Deed Sale	Jun 22, 2018 · Amount on File
Prior Sale	Jan 10, 2018 · Amount on File
Deed Document Number	0012481300
Deed Book / Page	12481 / 300
Record Updated	Jun 7, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2945 VERDUGO CT, FREDERICK, MD 21704-8048
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	RESEARCH TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2945 VERDUGO CT, FREDERICK, MD 21704-8048

Mortgage

Document Number	0144080119
Date	Dec 30, 2020
Book Page	14408/119

Lender

Name	UNITED WHOLESALE MORTGAGE LLC
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2945 VERDUGO CT, FREDERICK, MD 21704-8048
Document Number	0124830486
Instrument Date	Jun 19, 2018
Transaction Type	Mortgage
Record Updated	Jul 6, 2018
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	0124830486
Date	Jun 25, 2018
Book Page	012483/000486

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 24, 2048

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 22, 2018
Property Address	2945 VERDUGO CT, FREDERICK, MD 21704-8048
Document Number	0124810300
Book / Page	12481 / 0300
Map Reference	MB99 PL3
Instrument Date	Jun 14, 2018
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	STEWART TITLE GUARANTY CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,509.99
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2945 VERDUGO CT, FREDERICK, MD 21704-8048

Mortgage

Document Number	0012481305
Date	Jun 22, 2018
Instrument	12481/305

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 10, 2018
Property Address	2945 VERDUGO CT, FREDERICK, MD 21704-8048
Document Number	0122260049
Book / Page	012226 / 000049
Instrument Date	Jan 2, 2018
Transaction Type	Transfer
Record Updated	May 7, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$72.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7540 N MARKET ST FREDERICK MD 217014307, FREDERICK, MD 21701-4307
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$10,902.00 Homeowner's exemption	$926,333	$971,200 Land $233,800 Building $737,400

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

Flood

FEMA maps place 2945 Verdugo 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

Wildfire risk around 2945 Verdugo 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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