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3102 Cedar Grove Ter, Frederick, MD 21704 Property Records

Frederick County property record for 3102 Cedar Grove Ter, Frederick, MD 21704

Property Summary

Property TypeSingle Family Home
Details3.5 ba · 3,858 sqft · built 2020
Lot Size0.148 acres (6,426 sqft)
Owner2 Trust Names on File
Last Sale$798,295 (Jul 2020)
Tax Bill$11,898 (2025)
Deeds & MortgagesAug 2026 Sale
Oct 2020 Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN07-598998

Property Details

APN / Parcel Number

Primary APN07-598998
Alternative APN
  • 598998

Interior

Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,858 sqft Living Area
Gross Area4,278 sqft
1st Floor Area2,238 sqft
Basement Area1,300 sqft
Finished Basement1,300 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area6,426 sqft (0.148 acres)
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
SewerMunicipal

Location & Zoning

Account Number598998
Street Address3102 CEDAR GROVE TER
CityFREDERICK
StateMD
Zip21704-7955
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 23337 6,426 SQ FT THE WOODLANDS AT URBANA
Legal SubdivisionCORRECTION PLAT THE WOODLANDS AT URBANA
Legal Lot Number23337
JurisdictionFREDERICK MD
Township / Civil Division7, URBANA
Census Block Group3
Census Block3011
Census Tract752206

Owner

3102 Cedar Grove Ter is owner-occupied and held in a trust since July 2026.

Source: Frederick County records, as of August 24, 2026

Owner of Record2 Trust Names on File
Mailing Address3102 CEDAR GROVE TER, FREDERICK, MD 21704-7955
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Family Trust

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

DateDocument
Aug 14, 2026Deed, Transfer
NONE LISTED ON DOCUMENT
Oct 19, 2020Quit Claim Deed, Transfer
ROUNDPOINT MTG SVCNG
Jul 31, 2020Correction Deed, Subdivision Related Transfer
NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC
Mar 5, 2020Grant Deed, Subdivision Related Transfer · Conventional Mortgage
NVR MTG FIN
Nov 22, 2019Grant Deed, Transfer
NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 31, 2020 · Amount on File
Deed SaleJul 31, 2020 · Amount on File
Prior SaleMar 5, 2020 · Amount on File
Deed Book / Page13940 / 273
Last Transfer DateJul 31, 2026
Transfer Doc1800000287
Record UpdatedOct 29, 2026

August 2026: Deed, Transfer

Document TypeDeed
JurisdictionFREDERICK MD
Recording DateAug 14, 2026
Property Address3102 CEDAR GROVE TER, FREDERICK, MD 21704-7955
Document Number1800000287
Book / Page18006 / 287
Instrument DateJul 31, 2026
Transaction TypeTransfer
Record UpdatedAug 31, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
InvestorPossibly a Property Investor

October 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionFREDERICK MD
Recording DateOct 19, 2020
Property Address3102 CEDAR GROVE TER, FREDERICK, MD 21704-7955
Document Number0141830418
Book / Page014183 / 000418
Instrument DateOct 6, 2020
Transaction TypeTransfer
Record UpdatedOct 30, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3102 CEDAR GROVE TER FREDERICK MD 217047955, FREDERICK, MD 21704-7955

Mortgage

Document Number141830423
DateOct 19, 2020
Book Page014183/000423
Lender
NameROUNDPOINT MTG SVCNG
TypeMortgage Company
Address446 WRENPLACE RD, FORT MILL, SC 29715-0200
Agreement
AmountAmount on Record
Term360 Months
DueOct 18, 2050

July 2020: Correction Deed, Subdivision Related Transfer

Document TypeCorrection Deed
JurisdictionFREDERICK MD
Recording DateJul 31, 2020
Property Address3102 CEDAR GROVE TER, FREDERICK, MD 21704-7955
Document Number0139400273
Book / Page013940 / 000273
Instrument DateMar 4, 2020
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 21, 2020
Title CompanyNVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Transaction

AmountAmount on Record
Tax$798.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3102 CEDAR GROVE TER FREDERICK MD 217047955, FREDERICK, MD 21704-7955

March 2020: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionFREDERICK MD
Recording DateMar 5, 2020
Property Address3102 CEDAR GROVE TER, FREDERICK, MD 21704-7955
Document Number0135710491
Book / Page013571 / 000491
Instrument DateMar 4, 2020
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 27, 2020
Title CompanyNVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$798.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address3102 CEDAR GROVE TER FREDERICK MD 21704, FREDERICK, MD 21704

Mortgage

Document Number135710496
DateMar 5, 2020
Book Page013571/000496
Lender
NameNVR MTG FIN
TypeMortgage Company
AddressCANONSBURG, PA 15317
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueMar 4, 2050

November 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionFREDERICK MD
Recording DateNov 22, 2019
Property Address3102 CEDAR GROVE TER, FREDERICK, MD 21704-7955
Document Number0133590231
Book / Page013359 / 000231
Instrument DateNov 11, 2019
Transaction TypeTransfer
Record UpdatedMay 8, 2020
Title CompanyNVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Transaction

AmountAmount on Record
Tax$458.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address656 QUINCE ORCHARD RD GAITHERSBURG MD 208781409, GAITHERSBURG, MD 20878-1409
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 3102 Cedar Grove Ter was $11,898 with a homeowner's exemption, up 5.7% from the year before.

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

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$913,067 (+7.69%)$978,300 (-) Land $227,700 Building $750,600
2025$11,898.00 (+5.74%) Homeowner's exemption$847,833$978,300 Land $227,700 Building $750,600
2024$11,252.00 (+4.83%)
2023$10,734.00 Homeowner's exemption$765,767$782,600 Land $190,100 Building $592,500

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

Flood

FEMA maps place 3102 Cedar Grove Ter in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 6, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 3102 Cedar Grove Ter is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 SystemNEW DESIGN - FREDERICK COUNTY
serves 74,911 people · EPA ID MD0100030
Water SourceSurface water
Last State InspectionJan 2025
Lead3 ppb (2019)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 12 locations within half a mile, as of December 31, 2025

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

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