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3106 Cedar Grove Ter, Frederick, MD 21704 Property Records

Frederick County property record for 3106 Cedar Grove Ter, Frederick, MD 21704

Property Summary

Property TypeSingle Family Home
Details3 ba · 3,349 sqft · built 2020
Lot Size0.148 acres (6,426 sqft)
Owner2 Individual Names on File
Last Sale$686,071 (May 2020)
Tax Bill$10,373 (2024)
Deeds & MortgagesNov 2021 Mortgage
Jan 2021 Transfer
+ 2 more
Flood ZoneZone X (minimal risk)
APN07-599000

Property Details

APN / Parcel Number

Primary APN07-599000
Alternative APN
  • 599000

Interior

Full Baths3 Baths
Stories1 Story
Building Area3,349 sqft Living Area
Gross Area3,769 sqft
1st Floor Area2,049 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 Number599000
Street Address3106 CEDAR GROVE TER
CityFREDERICK
StateMD
Zip21704-7955
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 23339 6,426 SQ FT THE WOODLANDS AT URBANA
Legal SubdivisionTHE WOODLANDS AT URBANA
Legal Lot Number23339
JurisdictionFREDERICK MD
Township / Civil Division7, URBANA
Census Block Group3
Census Block3011
Census Tract752206

Owner

3106 Cedar Grove Ter is owned and occupied by two individuals who acquired it in October 2020.

Source: Frederick County records, as of August 4, 2025

Owner of Record2 Individual Names on File
Mailing Address3106 CEDAR GROVE TER, FREDERICK, MD 21704-7955
OccupancyOwner Occupied
Owner TypeIndividual

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
Nov 15, 2021Deed of Trust, Mortgage · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC
Jan 11, 2021Quit Claim Deed, Transfer
ATTORNEY ONLY
May 20, 2020Grant Deed, Subdivision Related Transfer · Conventional Mortgage
NVR MTG FIN
Feb 6, 2020Grant Deed, Transfer
NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 20, 2020 · Amount on File
Deed SaleMay 20, 2020 · Amount on File
Prior SaleFeb 6, 2020 · Amount on File
Deed Book / Page13748 / 194
Last Transfer DateOct 30, 2020
Transfer Doc0144350457
Record UpdatedJun 8, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address3106 CEDAR GROVE TER, FREDERICK, MD 21704-7955
Transaction TypeMortgage
Record UpdatedMay 19, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0154930001
DateNov 15, 2021
Book Page15493/1
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2051

January 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionFREDERICK MD
Recording DateJan 11, 2021
Property Address3106 CEDAR GROVE TER, FREDERICK, MD 21704-7955
Document Number0144350457
Book / Page014435 / 000457
Instrument DateOct 30, 2020
Transaction TypeTransfer
Record UpdatedFeb 25, 2021
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address3106 CEDAR GROVE TER FREDERICK MD 217047955, FREDERICK, MD 21704-7955

May 2020: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionFREDERICK MD
Recording DateMay 20, 2020
Property Address3106 CEDAR GROVE TER, FREDERICK, MD 21704-7955
Document Number0137480194
Book / Page013748 / 000194
Instrument DateMay 20, 2020
Transaction TypeSubdivision Related Transfer
Record UpdatedJul 3, 2020
Title CompanyNVR SETTLEMENT SERVICES/MD INC, NVR SETTLEMENT SVCS/MD INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$686.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address3106 CEDAR GROVE TER FREDERICK MD 217047955, FREDERICK, MD 21704-7955

Mortgage

Document Number137480199
DateMay 20, 2020
Book Page013748/000199
Lender
NameNVR MTG FIN
TypeMortgage Company
AddressCANONSBURG, PA 15317
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueMay 19, 2050

February 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionFREDERICK MD
Recording DateFeb 6, 2020
Property Address3106 CEDAR GROVE TER, FREDERICK, MD 21704-7955
Document Number0135090078
Book / Page013509 / 000078
Instrument DateJan 31, 2020
Transaction TypeTransfer
Record UpdatedMay 8, 2020
Title CompanyNVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Transaction

AmountAmount on Record
Tax$229.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

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

Source: Frederick County assessment roll, as of August 4, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$768,767$886,300 Land $227,700 Building $658,600
2024$10,373.00 (+4.78%)
2023$9,900.00 Homeowner's exemption$694,600$710,000 Land $190,100 Building $519,900

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

Flood

FEMA maps place 3106 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 3106 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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