Frederick County property record for 3116 Cedar Grove Ter, Frederick, MD 21704
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 3,858 sqft · built 2020 |
| Lot Size | 0.148 acres (6,426 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $737,734 (Apr 2020) |
| Tax Bill | $11,388 (2024) |
| Deeds & Mortgages | Jun 2021 Line of Credit Apr 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-599005 |
| Primary APN | 07-599005 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,858 sqft Living Area |
| Gross Area | 4,278 sqft |
| 1st Floor Area | 2,238 sqft |
| Basement Area | 1,300 sqft |
| Finished Basement | 1,300 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 6,426 sqft (0.148 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 270 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 599005 |
|---|---|
| Street Address | 3116 CEDAR GROVE TER |
| City | FREDERICK |
| State | MD |
| Zip | 21704-7955 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 23344 6,426 SQ FT THE WOODLANDS AT URBANA |
| Legal Lot Number | 23344 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 7, URBANA |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 752206 |
3116 Cedar Grove Ter is owned by a company that acquired it in April 2025 and is owner-occupied.
Source: Frederick County records, as of August 25, 2025
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 3116 CEDAR GROVE TER, FREDERICK, MD 21704-7955 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Jun 22, 2021 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Apr 6, 2020 | Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC |
| Dec 10, 2019 | Grant Deed, Transfer NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 6, 2020 · Amount on File |
| Deed Sale | Apr 6, 2020 · Amount on File |
| Prior Sale | Dec 10, 2019 · Amount on File |
| Deed Book / Page | 13635 / 267 |
| Last Transfer Date | Apr 17, 2025 |
| Transfer Doc | 0174740449 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 3116 CEDAR GROVE TER, FREDERICK, MD 21704-7955 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3116 CEDAR GROVE TER, FREDERICK, MD 21704-7955 |
| Document Number | 0150050125 |
|---|---|
| Date | Jun 22, 2021 |
| Book Page | 15005/125 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Jun 15, 2061 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Apr 6, 2020 |
| Property Address | 3116 CEDAR GROVE TER, FREDERICK, MD 21704-7955 |
| Document Number | 0136350267 |
| Book / Page | 13635 / 267 |
| Map Reference | MB 102 PL 72 |
| Instrument Date | Mar 31, 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 | $3,688.67 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 656 QUINCE ORCHARD RD, GAITHERSBURG, MD 20878-1409 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3116 CEDAR GROVE TERRACE, FREDERICK, MD 21704-7955 |
| Document Number | 0136350272 |
|---|---|
| Date | Apr 6, 2020 |
| Instrument | 13635/0272 |
| Name | NVR MORTGAGE FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Dec 10, 2019 |
| Property Address | 3116 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 |
Source: Frederick County assessment roll, as of August 4, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $860,000 | $992,400 Land $227,700 Building $764,700 | |
| 2024 | $11,388.00 (+5.1%) | ||
| 2023 | $10,835.00 Homeowner's exemption | $774,400 | $793,800 Land $190,100 Building $603,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3116 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 3116 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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