3129 Cedar Grove Ter, Frederick, MD 21704 Property Records

Frederick County property record for 3129 Cedar Grove Ter, Frederick, MD 21704

Property Summary

Property Type	Single Family Home
Details	4 ba · 4,469 sqft · built 2019
Lot Size	0.144 acres (6,285 sqft)
Owner	2 Individual Names on Record
Last Sale	$699,990 (Aug 2020)
Tax Bill	$12,445 (2025)
Deeds & Mortgages	Aug 2020 Sale Nov 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-598987`

Property Details

APN / Parcel Number

Primary APN	`07-598987`
Alternative APN	`598987`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	4,469 sqft Living Area
1st Floor Area	2,469 sqft
Basement Area	1,500 sqft
Finished Basement	1,500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,285 sqft (0.144 acres)
Porch	Open Porch
Porch Area	120 sqft
Deck Area	247 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	598987
Street Address	3129 CEDAR GROVE TER
City	FREDERICK
State	MD
Zip	21704-7954
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 23326 6,285 SQ FT THE WOODLANDS AT URBANA
Legal Subdivision	CORRECTION PLAT THE WOODLANDS AT URBANA
Legal Lot Number	23326
Jurisdiction	FREDERICK MD
Township / Civil Division	7, URBANA
Census Block Group	3
Census Block	3011
Census Tract	752206

Owner

Source: Frederick County records, as of August 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3129 CEDAR GROVE TER, FREDERICK, MD 21704-7954
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2020	Correction Deed NVR SETTLEMENT SERVICES/MD INC, NVR SETTLEMENT SVCS/MD INC
Nov 22, 2019	Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC
Aug 20, 2019	Grant Deed, Transfer NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2020 · Amount on Record
Deed Sale	Aug 17, 2020 · Amount on Record
Prior Sale	Nov 22, 2019 · Amount on Record
Deed Book / Page	13985 / 331
Prior Transfer Date	Nov 15, 2019
Prior Transfer Doc	0139850331
Record Updated	Sep 20, 2026

August 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 17, 2020
Property Address	3129 CEDAR GROVE TER, FREDERICK, MD 21704-7954
Document Number	0139850331
Book / Page	013985 / 000331
Instrument Date	Aug 17, 2020
Record Updated	Sep 3, 2020
Title Company	NVR SETTLEMENT SERVICES/MD INC, NVR SETTLEMENT SVCS/MD INC

Transaction

Amount	Amount Recorded
Tax	$700.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3129 GROVE TER FREDERICK MD 21704, FREDERICK, MD 21704

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 22, 2019
Property Address	3129 CEDAR GROVE TER, FREDERICK, MD 21704-7954
Document Number	0133590355
Book / Page	13359 / 0355
Map Reference	MB 102 PL 81
Instrument Date	Nov 15, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	NVR SETMNT SVCS OF MD INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,499.95
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	3129 CEDAR GROVE TERRACE, IJAMSVILLE, MD 21754

Mortgage

Document Number	0133590360
Date	Nov 22, 2019
Instrument	13359/0360

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 20, 2019
Property Address	3129 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 Recorded
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 August 7, 2026

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
2026		$962,833 (+18.95%)	$1,031,700 (+25.04%) Land $227,600 Building $804,100
2025	$12,445.00 (+10.66%)
2023	$11,246.00	$809,467	$825,100 Land $190,100 Building $635,000

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

Flood

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

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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