Frederick County property record for 4494 Willow Tree Dr, Middletown, MD 21769
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,859 sqft · built 1972 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,899 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-149897 |
| Primary APN | 03-149897 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,859 sqft Living Area |
| Gross Area | 2,171 sqft |
| 1st Floor Area | 1,313 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Split Level |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 15,246 sqft (0.35 acres) |
| Garage Type | Attached |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 390 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 149897 |
|---|---|
| Street Address | 4494 WILLOW TREE DR |
| City | MIDDLETOWN |
| State | MD |
| Zip | 21769-7609 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LT 3, BLK. E, PLAT 8 .35 AC WILLOW TREE DR 4494 WILLOW TREE DR |
| Legal Subdivision | FOUNTAIN DALE |
| Legal Block | E |
| Legal Lot Number | 3 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 3, MIDDLETOWN |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 752603 |
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.
4494 Willow Tree Dr is owned and occupied by two individuals.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4494 WILLOW TREE DR, MIDDLETOWN, MD 21769-7609 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4494 WILLOW TREE DR, MIDDLETOWN, MD 21769-7609 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CERTIFIED TITLE CORPORATION |
| Name | Verified Name |
|---|
| Document Number | 0135930404 |
|---|---|
| Date | Mar 16, 2020 |
| Book Page | 13593/404 |
| Name | MID-ATLANTIC FCU |
|---|---|
| Type | Credit Union |
| Address | GERMANTOWN, MD 20874 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2050 |
The 2025 property tax bill for 4494 Willow Tree Dr was $3,899 with a homeowner's exemption.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $397,400 Land $100,700 Building $296,700 | $397,400 Land $100,700 Building $296,700 | |
| 2025 | $3,899.00 | ||
| 2023 | $3,374.00 Homeowner's exemption | $280,400 Land $71,500 Building $208,900 | $280,400 Land $71,500 Building $208,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4494 Willow Tree Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2003.
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 risk around 4494 Willow Tree Dr is low, with less than 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 93% of the US · lower than 85% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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 | FOUNTAINDALE SOUTH serves 2,610 people · EPA ID MD0100013 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Jul 2025 |
| Lead | 1 ppb (2015–2017) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 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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