4481 Willow Tree Dr, Middletown, MD 21769 Property Records

Frederick County property record for 4481 Willow Tree Dr, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,328 sqft · built 1997
Lot Size	1.02 acres (44,431 sqft)
Owner	Individual Name on Record
Last Sale	$570,000 (Sep 2022)
Tax Bill	$4,449 (2023)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-160734`

Property Details

APN / Parcel Number

Primary APN	`03-160734`
Alternative APNs	`3160734` `160734`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,328 sqft Total Area
1st Floor Area	1,270 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	44,431 sqft (1.02 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	294 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	160734
Old Parcel Number	3160734
Street Address	4481 WILLOW TREE DR
City	MIDDLETOWN
State	MD
Zip	21769-7610
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 SECTION 1 1.022 ACRES CROSSINGS AT MIDDLETOWN
Legal Subdivision	CROSSINGS AT MIDDLETOWN
Legal Lot Number	3
Jurisdiction	FREDERICK MD
Township / Civil Division	3, MIDDLETOWN
Census Block Group	1
Census Block	1001
Census Tract	752603

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Old National Pike Milestones listed 1975 · 69 contributing resources · NRIS 75002107

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4481 WILLOW TREE DR, MIDDLETOWN, MD 21769-7610
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2022 · Amount on Record
Deed Sale	Sep 13, 2022 · Amount on Record
Prior Sale	Jul 30, 1997 · Amount on Record
Deed Document Number	0016130317
Deed Book / Page	16130 / 317
Record Updated	Jun 7, 2026

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 13, 2022
Property Address	4481 WILLOW TREE DR, MIDDLETOWN, MD 21769-7610
Document Number	0161300317
Book / Page	16130 / 317
Map Reference	MB 61 PG 36
Instrument Date	Aug 29, 2022
Transaction Type	Transfer
Record Updated	Sep 22, 2022
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,425.00
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 by the Entirety
Address	4481 WILLOW TREE DR, MIDDLETOWN, MD 21769-7610

Mortgage

Document Number	0016130325
Date	Sep 13, 2022
Instrument	16130/325

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

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	$4,449.00	$367,000 Land $96,100 Building $270,900	$367,000 Land $96,100 Building $270,900

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (2003–2021)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2021 · rainfall accumulation

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 96% of the US · lower than 92% of Maryland
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 251 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

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