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3117 Cedar Grove Ter, Frederick, MD 21704 Property Records

Frederick County property record for 3117 Cedar Grove Ter, Frederick, MD 21704

Property Summary

Property TypeSingle Family Home
Details3 ba · 2,049 sqft · built 2020
Lot Size0.167 acres (7,292 sqft)
Owner2 Individual Names on File
Last Sale$686,194 (Apr 2020)
Tax Bill$9,966 (2023)
Deeds & MortgagesApr 2020 Sale & Mortgage
Dec 2019 Sale
Flood ZoneZone X (minimal risk)
APN07-598993

Property Details

APN / Parcel Number

Primary APN07-598993
Alternative APN
  • 598993

Interior

Full Baths3 Baths
Stories1 Story
Building Area2,049 sqft Total Area
Basement Area1,300 sqft
Finished Basement1,300 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2020
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area7,292 sqft (0.167 acres)
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air
SewerConnected

Location & Zoning

Account Number598993
Street Address3117 CEDAR GROVE TER
CityFREDERICK
StateMD
Zip21704-7954
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 23332 7,292 SQ FT THE WOODLANDS AT URBANA
Legal SubdivisionWOODLANDS/URBANA
Legal Lot Number23332
JurisdictionFREDERICK MD
Township / Civil Division7, URBANA
Census Block Group3
Census Block3011
Census Tract752206

Owner

3117 Cedar Grove Ter is owned and occupied by two individuals who bought it in April 2020.

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

Owner of Record2 Individual Names on File
Mailing Address3117 CEDAR GROVE TER, FREDERICK, MD 21704-7954
OccupancyOwner Occupied
Owner TypeIndividual

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
Apr 23, 2020Grant Deed, Subdivision Related Transfer · Conventional Mortgage
NVR MTG FIN
Dec 17, 2019Grant Deed, Transfer
NVR SETTLEMENT SERVICES/MD INC, NVR SETTLEMENT SVCS/MD INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 23, 2020 · Amount on File
Deed SaleApr 23, 2020 · Amount on File
Prior SaleDec 17, 2019 · Amount on File
Deed Document Number0013678136
Deed Book / Page13678 / 136
Record UpdatedJun 7, 2026

April 2020: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionFREDERICK MD
Recording DateApr 23, 2020
Property Address3117 CEDAR GROVE TER, FREDERICK, MD 21704-7954
Document Number0136780136
Book / Page013678 / 000136
Instrument DateApr 14, 2020
Transaction TypeSubdivision Related Transfer
Record UpdatedJun 5, 2020
Title CompanyNVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$686.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address3117 CEDAR GROVE TER FREDERICK MD 21704, FREDERICK, MD 21704

Mortgage

Document Number136780141
DateApr 23, 2020
Book Page013678/000141
Lender
NameNVR MTG FIN
TypeMortgage Company
AddressCANONSBURG, PA 15317
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueApr 22, 2050

December 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionFREDERICK MD
Recording DateDec 17, 2019
Property Address3117 CEDAR GROVE TER, FREDERICK, MD 21704-7954
Document Number0134070164
Book / Page013407 / 000164
Instrument DateDec 12, 2019
Transaction TypeTransfer
Record UpdatedMay 8, 2020
Title CompanyNVR SETTLEMENT SERVICES/MD INC, NVR SETTLEMENT SVCS/MD INC

Transaction

AmountAmount on Record
Tax$229.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address656 QUINCE ORCHARD RD #500 GAITHERSBURG MD 208781409, 500, GAITHERSBURG, MD 20878-1409
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2023$9,966.00 Homeowner's exemption$700,200$715,700 Land $190,200 Building $525,500

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

Flood

FEMA maps place 3117 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 3117 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
ExposureNone
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 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 123 locations within half a mile, as of December 31, 2025

ProviderMax 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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