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3109 Cedar Grove Ter, Frederick, MD 21704 Property Records

Frederick County property record for 3109 Cedar Grove Ter, Frederick, MD 21704

Property Summary

Property TypeSingle Family Home
Details4 ba · 3,932 sqft · built 2020
Lot Size0.145 acres (6,325 sqft)
Owner2 Trust Names on File
Last Sale$795,825 (Aug 2020)
Tax Bill$12,064 (2025)
Deeds & MortgagesDec 2020 Transfer
Aug 2020 Sale
+ 2 more
Flood ZoneZone X (minimal risk)
APN07-598997

Property Details

APN / Parcel Number

Primary APN07-598997
Alternative APN
  • 598997

Interior

Full Baths4 Baths
Stories2 Stories
Building Area3,932 sqft Living Area
Gross Area4,332 sqft
1st Floor Area1,752 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 Area6,325 sqft (0.145 acres)
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
SewerMunicipal

Location & Zoning

Account Number598997
Street Address3109 CEDAR GROVE TER
CityFREDERICK
StateMD
Zip21704-7954
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 23336 6,325 SQ FT THE WOODLANDS AT URBANA
Legal SubdivisionCORRECTION PLAT THE WOODLANDS AT URBANA
Legal Lot Number23336
JurisdictionFREDERICK MD
Township / Civil Division7, URBANA
Census Block Group3
Census Block3011
Census Tract752206

Owner

3109 Cedar Grove Ter is owner-occupied and held in a trust since October 2020.

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

Owner of Record2 Trust Names on File
Mailing Address3109 CEDAR GROVE TER, FREDERICK, MD 21704-7954
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

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
Dec 10, 2020Quit Claim Deed, Transfer
NOT AVAILABLE
Aug 12, 2020Correction Deed, Subdivision Related Transfer
NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC
Mar 17, 2020Grant Deed, Subdivision Related Transfer
NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC
Nov 22, 2019Grant Deed, Transfer
NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 12, 2020 · Amount on File
Deed SaleAug 12, 2020 · Amount on File
Prior SaleMar 17, 2020 · Amount on File
Deed Book / Page13976 / 134
Last Transfer DateOct 23, 2020
Transfer Doc0143500087
Record UpdatedSep 20, 2026

December 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionFREDERICK MD
Recording DateDec 10, 2020
Property Address3109 CEDAR GROVE TER, FREDERICK, MD 21704-7954
Document Number0143500087
Book / Page014350 / 000087
Instrument DateOct 23, 2020
Transaction TypeTransfer
Record UpdatedFeb 2, 2021
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address3109 CEDAR GROVE TER FREDERICK MD 217047954, FREDERICK, MD 21704-7954

August 2020: Correction Deed, Subdivision Related Transfer

Document TypeCorrection Deed
JurisdictionFREDERICK MD
Recording DateAug 12, 2020
Property Address3109 CEDAR GROVE TER, FREDERICK, MD 21704-7954
Document Number0139760134
Book / Page013976 / 000134
Instrument DateMar 13, 2020
Transaction TypeSubdivision Related Transfer
Record UpdatedSep 3, 2020
Title CompanyNVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Transaction

AmountAmount on Record
Tax$796.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSole Owner
Address3109 CEDAR GROVE TER FREDERICK MD 217047954, FREDERICK, MD 21704-7954

March 2020: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionFREDERICK MD
Recording DateMar 17, 2020
Property Address3109 CEDAR GROVE TER, FREDERICK, MD 21704-7954
Document Number0135940136
Book / Page013594 / 000136
Instrument DateMar 13, 2020
Transaction TypeSubdivision Related Transfer
Record UpdatedSep 11, 2020
Title CompanyNVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Transaction

AmountAmount on Record
Tax$796.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSole Owner
Address3109 CEDAR GROVE TER FREDERICK MD 21754, FREDERICK, MD 21754

November 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionFREDERICK MD
Recording DateNov 22, 2019
Property Address3109 CEDAR GROVE TER, FREDERICK, MD 21704-7954
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 3109 Cedar Grove Ter was $12,064 with a homeowner's exemption, up 4.9% 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$872,367 (+4.13%)$907,000 (-) Land $227,600 Building $679,400
2025$12,064.00 (+4.9%) Homeowner's exemption$837,733$907,000 Land $227,600 Building $679,400
2024$11,500.00 (+5.03%)
2023$10,949.00 Homeowner's exemption$784,133$803,100 Land $190,100 Building $613,000

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

Flood

FEMA maps place 3109 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 3109 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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