Frederick County property record for 3114 Cedar Grove Ter, Frederick, MD 21704
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,049 sqft · built 2020 |
| Lot Size | 0.154 acres (6,726 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $657,245 (Apr 2020) |
| Tax Bill | $10,685 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Apr 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-599004 |
| Primary APN | 07-599004 |
|---|---|
| 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 | 6,726 sqft (0.154 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 228 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 599004 |
|---|---|
| Street Address | 3114 CEDAR GROVE TER |
| City | FREDERICK |
| State | MD |
| Zip | 21704-7955 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 23343 6,726 SQ FT THE WOODLANDS AT URBANA |
| Legal Lot Number | 23343 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 7, URBANA |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 752206 |
3114 Cedar Grove Ter is owner-occupied and held in a trust since June 2024.
Source: Frederick County records, as of August 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 3114 CEDAR GROVE TER, FREDERICK, MD 21704-7955 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
| Date | Document |
|---|---|
| Dec 3, 2020 | Deed of Trust, Mortgage NFM LNDG |
| Apr 23, 2020 | Grant Deed, Subdivision Related Transfer · Conventional with PMI NVR MTG FIN |
| Dec 10, 2019 | Grant Deed, Transfer NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 23, 2020 · Amount on File |
| Deed Sale | Apr 23, 2020 · Amount on File |
| Deed Book / Page | 13678 / 13 |
| Last Transfer Date | Jun 26, 2024 |
| Transfer Doc | 0170540393 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 3114 CEDAR GROVE TER, FREDERICK, MD 21704-7955 |
| Document Number | 0144500088 |
| Instrument Date | Dec 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 3114 CEDAR GROVE TER FREDERICK MD 217047955, FREDERICK, MD 21704-7955 |
| Document Number | 0144500088 |
|---|---|
| Date | Jan 13, 2021 |
| Book Page | 014450/000088 |
| Name | NFM LNDG |
|---|---|
| Address | LINTHICUM, MD 21090 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 12, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Apr 23, 2020 |
| Property Address | 3114 CEDAR GROVE TER, FREDERICK, MD 21704-7955 |
| Document Number | 0136780013 |
| Book / Page | 013678 / 000013 |
| Instrument Date | Apr 18, 2020 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 5, 2020 |
| Title Company | NVR SETTLEMENT SERVICES/MD INC, NVR SETTLEMENT SVCS/MD INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $657.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3114 CEDAR GROVE TER FREDERICK MD 21704, FREDERICK, MD 21704 |
| Document Number | 136780018 |
|---|---|
| Date | Apr 23, 2020 |
| Book Page | 013678/000018 |
| Name | NVR MTG FIN |
|---|---|
| Type | Mortgage Company |
| Address | CANONSBURG, PA 15317 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 22, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Dec 10, 2019 |
| Property Address | 3114 CEDAR GROVE TER, FREDERICK, MD 21704-7955 |
| Document Number | 0133910310 |
| Book / Page | 013391 / 000310 |
| Instrument Date | Nov 26, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2020 |
| Title Company | NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS 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 GAITHERSBURG MD 208781409, GAITHERSBURG, MD 20878-1409 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 3114 Cedar Grove Ter was $10,685 with a homeowner's exemption, up 5.7% from the year before.
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 | $807,200 (+7.96%) | $866,700 (-) Land $227,700 Building $639,000 | |
| 2025 | $10,685.00 (+5.7%) | $747,700 | $866,700 Land $227,700 Building $639,000 |
| 2024 | $10,109.00 (+4.76%) | ||
| 2023 | $9,650.00 Homeowner's exemption | $673,233 | $688,200 Land $190,100 Building $498,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3114 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 3114 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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