4497 Willow Tree Dr, Middletown, MD 21769 Property Records

Frederick County property record for 4497 Willow Tree Dr, Middletown, MD 21769 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,874 sqft · built 1970
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on File
Last Sale	$290,000 (Jun 2017)
Tax Bill	$4,191 (2024)
Deeds & Mortgages	Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-125823`

Property Details

APN / Parcel Number

Primary APN	`03-125823`
Alternative APNs	`3125823` `125823`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,874 sqft Living Area
1st Floor Area	1,274 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Carport
Garage Area	372 sqft
Carport	Carport
Carport Area	372 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	100 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	125823
Street Address	4497 WILLOW TREE DR
City	MIDDLETOWN
State	MD
Zip	21769-7610
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 20 BL B PL 8 0.35 ACRE FOUNTAINDALE
Legal Subdivision	FOUNTAINDALE 08
Legal Block	B
Legal Lot Number	20
Jurisdiction	FREDERICK MD
Township / Civil Division	3, MIDDLETOWN
Census Block Group	1
Census Block	1001
Census Tract	752603

Owner

Source: Frederick County records · APN 03-125823

Assessment roll updated August 4, 2025 · Last verified April 2026

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

Owner of Record	Individual Name on File
Mailing Address	4497 WILLOW TREE DR, MIDDLETOWN, MD 21769-7610
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 15, 2017 · Amount on Record
Deed Sale	Jun 15, 2017 · Amount on Record
Prior Sale	Jan 09, 2014 · Amount on Record
Deed Document Number	201711873-0176
Deed Book / Page	11873 / 176
Prior Transfer Date	Nov 18, 2010
Prior Transfer Doc	0083580182
Record Updated	Jun 08, 2026

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 15, 2017
Property Address	4497 WILLOW TREE DR, MIDDLETOWN, MD 21769-7610
Document Number	0118730176
Book / Page	11873 / 0176
Map Reference	MB6 PG11
Instrument Date	May 26, 2017
Instrument	11873-0176
Transaction Type	Transfer
Record Updated	Aug 09, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,480.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4497 WILLOW TREE DR, MIDDLETOWN, MD 21769-7610

Mortgage

Document Number	118730181
Date	Jun 15, 2017
Instrument	11873-0181

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2047

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$380,933 (+28.35%)	$423,000 (+42.52%) Land $100,700 Building $322,300
2024	$4,191.00 (+17.53%)
2023	$3,566.00	$296,800 Land $71,500 Building $225,300	$296,800 Land $71,500 Building $225,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217526031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 2 individual NFIP policies nearby
Nearby Flood Policies	2 in force 2 of 2 on primary residences
Nearby Flood Claims	3 (2003–2021)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2021, rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.