3111 Cedar Grove Ter, Frederick, MD 21704 Property Records

Frederick County property record for 3111 Cedar Grove Ter, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,049 sqft · built 2020
Lot Size	0.156 acres (6,804 sqft)
Owner	2 Individual Names on Record
Last Sale	$689,144 (Apr 2020)
Tax Bill	$9,858 (2023)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-598996`

Property Details

APN / Parcel Number

Primary APN	`07-598996`
Alternative APN	`598996`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,049 sqft Total Area
Basement Area	1,300 sqft
Finished Basement	1,300 sqft

Exterior

Year Built	Built 2020
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,804 sqft (0.156 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	598996
Street Address	3111 CEDAR GROVE TER
City	FREDERICK
State	MD
Zip	21704-7954
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 23335 6,804 SQ FT THE WOODLANDS AT URBANA
Legal Subdivision	WOODLANDS/URBANA
Legal Lot Number	23335
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	3
Census Block	3011
Census Tract	752206

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3111 CEDAR GROVE TER, FREDERICK, MD 21704-7954
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMESIDE FINANCIAL LLC
Apr 6, 2020	Grant Deed, Subdivision Related Transfer · Conventional Mortgage HOMESIDE FIN'L
Dec 18, 2019	Grant Deed, Transfer NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2020 · Amount on Record
Deed Sale	Apr 6, 2020 · Amount on Record
Prior Sale	Dec 18, 2019 · Amount on Record
Deed Document Number	0013637259
Deed Book / Page	13637 / 259
Record Updated	Jun 7, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	3111 CEDAR GROVE TER, FREDERICK, MD 21704-7954
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	CAPITOL SETTLEMENTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3111 CEDAR GROVE TER, FREDERICK, MD 21704-7954

Mortgage

Document Number	0146800485
Date	Mar 22, 2021
Book Page	14680/485

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

April 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 6, 2020
Property Address	3111 CEDAR GROVE TER, FREDERICK, MD 21704-7954
Document Number	0136370259
Book / Page	013637 / 000259
Instrument Date	Apr 1, 2020
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 5, 2020
Title Company	NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$689.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3111 CEDAR GROVE TER FREDERICK MD 21704, FREDERICK, MD 21704

Mortgage

Document Number	136370264
Date	Apr 6, 2020
Book Page	013637/000264

Lender

Name	HOMESIDE FIN'L
Address	COLUMBIA, MD 21044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 5, 2050

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 18, 2019
Property Address	3111 CEDAR GROVE TER, FREDERICK, MD 21704-7954
Document Number	0134100208
Book / Page	013410 / 000208
Instrument Date	Dec 6, 2019
Transaction Type	Transfer
Record Updated	May 8, 2020
Title Company	NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Transaction

Amount	Amount Recorded
Tax	$687.00
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	656 QUINCE ORCHARD RD #500 GAITHERSBURG MD 208781409, 500, GAITHERSBURG, MD 20878-1409
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	$9,858.00 Homeowner's exemption	$691,000	$706,300 Land $190,100 Building $516,200

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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	None beyond 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	NEW DESIGN - FREDERICK COUNTY serves 74,911 people · EPA ID MD0100030
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	3 ppb (2019) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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