3125 Cedar Grove Ter, Frederick, MD 21704 Property Records

Frederick County property record for 3125 Cedar Grove Ter, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,232 sqft · built 2019
Lot Size	0.144 acres (6,285 sqft)
Owner	Individual Name on File
Last Sale	$750,000 (Sep 2023)
Tax Bill	$9,817 (2023)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Dec 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-598989`

Property Details

APN / Parcel Number

Primary APN	`07-598989`
Alternative APN	`598989`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,232 sqft Total Area
Basement Area	1,300 sqft
Finished Basement	1,300 sqft

Exterior

Year Built	Built 2019
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,285 sqft (0.144 acres)
Porch	Open Porch
Porch Area	168 sqft
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	598989
Street Address	3125 CEDAR GROVE TER
City	FREDERICK
State	MD
Zip	21704-7954
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 23328 6,285 SQ FT THE WOODLANDS AT URBANA
Legal Subdivision	WOODLANDS
Legal Lot Number	23328
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	3
Census Block	3011
Census Tract	752206

Owner

3125 Cedar Grove Ter is owned by an individual who bought it in September 2023.

Source: Frederick County records, as of September 27, 2023

Owner of Record	Individual Name on File
Mailing Address	2700 CYPRESS TRACE CIR APT 3131, 3131, NAPLES, FL 34119-8489
Owner Type	Individual

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

Date	Document
Sep 14, 2023	Deed, Transfer · Conventional Mortgage SHORE UNITED BANK NA
Dec 20, 2019	Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC
Aug 14, 2020	Correction Deed, Subdivision Related Transfer NOT AVAILABLE
Aug 20, 2019	Grant Deed, Transfer NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2023 · Amount on File
Deed Sale	Sep 14, 2023 · Amount on File
Prior Sale	Dec 20, 2019 · Amount on File
Deed Document Number	0016599453
Deed Book / Page	16599 / 453
Record Updated	Jun 7, 2026

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 14, 2023
Property Address	3125 CEDAR GROVE TER, FREDERICK, MD 21704-7954
Document Number	0165990453
Book / Page	16599 / 453
Map Reference	MB 102 PL 81
Instrument Date	Sep 5, 2023
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	PASSPORT TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	2700 CYPRESS TRACE CIR APT 3131, 3131, NAPLES, FL 34119-8489

Mortgage

Document Number	0016599459
Date	Sep 14, 2023
Instrument	16599/459

Lender

Name	SHORE UNITED BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Type Change Date	Oct 1, 2030
Change Frequency	Annually
Min Rate At Change	6.87%
Max Rate At Change	11.8%
Index	1-Year T-Bill
Max Rate	11.8%

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 20, 2019
Property Address	3125 CEDAR GROVE TER, FREDERICK, MD 21704-7954
Document Number	0134140138
Book / Page	13414 / 0138
Map Reference	MB 102 PL 81
Instrument Date	Dec 18, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	NVR SETMNT SVCS OF MD INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,124.95
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	656 QUINCE ORCHARD RD, 656, GAITHERSBURG, MD 20878-1409

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3125 CEDAR GROVE TERRACE, IJAMSVILLE, MD 21754

Mortgage

Document Number	0134140143
Date	Dec 20, 2019
Instrument	13414/0143

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

August 2020: Correction Deed, Subdivision Related Transfer

Document Type	Correction Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 14, 2020
Property Address	3125 CEDAR GROVE TER, FREDERICK, MD 21704-7954
Document Number	0139840186
Book / Page	013984 / 000186
Instrument Date	Dec 18, 2019
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 3, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$625.00
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	3125 CEDAR GROVE TER FREDERICK MD 217047954, FREDERICK, MD 21704-7954

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 20, 2019
Property Address	3125 CEDAR GROVE TER, FREDERICK, MD 21704-7954
Document Number	0131580160
Book / Page	013158 / 000160
Instrument Date	Jul 26, 2019
Transaction Type	Transfer
Record Updated	May 8, 2020
Title Company	NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Transaction

Amount	Amount on Record
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 GAITHERSBURG MD 208781409, 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	$9,817.00	$687,533	$701,100 Land $190,100 Building $511,000

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

Flood

FEMA maps place 3125 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

Wildfire risk around 3125 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	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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