Frederick County property record for 3112 Cedar Grove Ter, Frederick, MD 21704
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,049 sqft · built 2020 |
| Lot Size | 0.168 acres (7,329 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $880,000 (Aug 2026) |
| Tax Bill | $10,932 (2025) |
| Deeds & Mortgages | Aug 2026 Sale Nov 2020 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-599003 |
| Primary APN | 07-599003 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,049 sqft Living Area |
| Gross Area | 3,469 sqft |
| 1st Floor Area | 2,049 sqft |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 7,329 sqft (0.168 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 599003 |
|---|---|
| Street Address | 3112 CEDAR GROVE TER |
| City | FREDERICK |
| State | MD |
| Zip | 21704-7955 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 23342 7,329 SQ FT THE WOODLANDS AT URBANA |
| Legal Lot Number | 23342 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 7, URBANA |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 752206 |
3112 Cedar Grove Ter is owned by a company that bought it in August 2026.
Source: Frederick County records, as of August 20, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 3112 CEDAR GROVE TER, FREDERICK, MD 21704-7955 |
| Owner Type | Company |
| Vesting | Life Tenant |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 13, 2026 | Special Warranty Deed, Transfer STEWART TITLE, STEWART TITLE GUARANTY COMPANY |
| Nov 5, 2020 | Grant Deed, Subdivision Related Transfer · Conventional Mortgage NVR MTG FIN |
| Mar 17, 2020 | Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC |
| Aug 10, 2020 | Correction Deed, Subdivision Related Transfer NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC |
| Dec 10, 2019 | Grant Deed, Transfer NVR SETTLEMENT SERVICES/MD INC, NVR SETTLEMENT SVCS/MD INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 13, 2026 · Amount on File |
| Deed Sale | Aug 13, 2026 · Amount on File |
| Prior Sale | Aug 10, 2020 · Amount on File |
| Deed Book / Page | 18004 / 1 |
| Prior Transfer Date | Mar 16, 2020 |
| Prior Transfer Doc | 0139660356 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Aug 13, 2026 |
| Property Address | 3112 CEDAR GROVE TER, FREDERICK, MD 21704-7955 |
| Document Number | 1800000001 |
| Book / Page | 18004 / 1 |
| Instrument Date | Aug 3, 2026 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $888,800.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Nov 5, 2020 |
| Property Address | 3112 CEDAR GROVE TER, FREDERICK, MD 21704-7955 |
| Document Number | 0142340389 |
| Book / Page | 014234 / 000389 |
| Instrument Date | Nov 2, 2020 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 5, 2021 |
| Title Company | NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $742.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3322 PURPLE SAGE MEWS FREDERICK MD 217047796, FREDERICK, MD 21704-7796 |
| Investor | Possibly a Property Investor |
| Document Number | 142340394 |
|---|---|
| Date | Nov 5, 2020 |
| Book Page | 014234/000394 |
| Name | NVR MTG FIN |
|---|---|
| Type | Mortgage Company |
| Address | CANONSBURG, PA 15317 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 4, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Mar 17, 2020 |
| Property Address | 3112 CEDAR GROVE TER, FREDERICK, MD 21704-7955 |
| Document Number | 0135950461 |
| Book / Page | 13595 / 461 |
| Map Reference | MB 102 PL 72 |
| Instrument Date | Mar 16, 2020 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Title Company | NVR SETTLEMENT SERVICES/MD INC, NVR SETMNT SVCS OF MD INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,192.35 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 656 QUINCE ORCHARD RD, GAITHERSBURG, MD 20878-1409 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 11413 CUSHMAN RD, ROCKVILLE, MD 20852-3680 |
| Document Number | 0135950466 |
|---|---|
| Date | Mar 17, 2020 |
| Instrument | 13595/0466 |
| Name | NVR MORTGAGE FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2035 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Aug 10, 2020 |
| Property Address | 3112 CEDAR GROVE TER, FREDERICK, MD 21704-7955 |
| Document Number | 0139660356 |
| Book / Page | 013966 / 000356 |
| Instrument Date | Mar 16, 2020 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 3, 2020 |
| Title Company | NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC |
| Amount | Amount on Record |
|---|---|
| Tax | $638.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11413 CUSHMAN RD ROCKVILLE MD 208523680, ROCKVILLE, MD 20852-3680 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Dec 10, 2019 |
| Property Address | 3112 CEDAR GROVE TER, FREDERICK, MD 21704-7955 |
| Document Number | 0133910316 |
| Book / Page | 013391 / 000316 |
| Instrument Date | Nov 22, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2020 |
| Title Company | NVR SETTLEMENT SERVICES/MD INC, NVR SETTLEMENT SVCS/MD INC |
| Amount | Amount on Record |
|---|---|
| Tax | $458.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 656 QUINCE ORCHARD RD #500 GAITHERSBURG MD 208781409, 500, GAITHERSBURG, MD 20878-1409 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 3112 Cedar Grove Ter was $10,932.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $801,900 | $858,700 Land $227,800 Building $630,900 | |
| 2025 | $10,932.00 | ||
| 2023 | $9,651.00 | $673,333 | $688,300 Land $190,200 Building $498,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3112 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 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 risk around 3112 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 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 12 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 |
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