4498 Willow Tree Dr, Middletown, MD 21769 Property Records

Frederick County property record for 4498 Willow Tree Dr, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,624 sqft · built 1969
Lot Size	0.43 acres (18,730 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Sep 2008)
Tax Bill	$4,432 (2024)
Deeds & Mortgages	Aug 2018 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-124622`

Property Details

APN / Parcel Number

Primary APN	`03-124622`
Alternative APNs	`3124622` `124622`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,624 sqft Living Area
Gross Area	2,864 sqft
1st Floor Area	1,624 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	18,730 sqft (0.43 acres)

Exterior Amenities

Porch	Enclosed Porch
Porch Area	240 sqft
Patio Area	168 sqft
Shed	1 Shed
Shed Area	3,200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Municipal

Location & Zoning

Account Number	124622
Street Address	4498 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	LOT 1 BLK E PL 6 0.43 ACRES FOUNTAINDALE
Legal Subdivision	FOUNTAINDALE
Legal Block	E
Legal Lot Number	1
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 August 4, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	4498 WILLOW TREE DR, MIDDLETOWN, MD 21769-7609
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2018	Deed of Trust, Mortgage · Commercial Mortgage REVERE BANK
May 11, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP
May 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage APEX HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2008 · Amount on Record
Deed Sale	Sep 11, 2008 · Amount on Record
Prior Sale	May 3, 1994 · Amount on Record
Deed Document Number	200884014
Deed Book / Page	7077 / 316
Last Transfer Date	Apr 19, 2021
Transfer Doc	0148700021
Record Updated	Jun 8, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4498 WILLOW TREE DR, MIDDLETOWN, MD 21769-7609
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	CERTIFIED TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0125610274
Date	Aug 9, 2018
Book Page	12561/0274

Lender

Name	REVERE BANK
Type	Bank
Address	LAUREL, MD 20707

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	May 11, 2021
Property Address	4498 WILLOW TREE DR, MIDDLETOWN, MD 21769-7609
Document Number	0148700021
Book / Page	14870 / 21
Map Reference	MB 5 FO 193
Instrument Date	Apr 19, 2021
Transaction Type	Transfer
Record Updated	Jun 4, 2021
Title Company	OLDE STONE TITLE, OLDE TOWNE TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	4498 WILLOW TREE DR, MIDDLETOWN, MD 21769-7609

Mortgage

Document Number	1487026
Date	May 11, 2021
Instrument	14870/26

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4498 WILLOW TREE DR, MIDDLETOWN, MD 21769-7609
Document Number	0125120181
Instrument Date	May 21, 2018
Transaction Type	Mortgage
Record Updated	Jul 20, 2018
Title Company	CERTIFIED TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4498 WILLOW TREE DR MIDDLETOWN MD 217697609, MIDDLETOWN, MD 21769-7609

Mortgage

Document Number	0125120181
Date	Jul 11, 2018
Book Page	012512/000181

Lender

Name	APEX HM LNS
Type	Funding / Finance Company
Address	ROCKVILLE, MD 20852

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2048

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

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
2025		$434,000 (+27.57%)	$480,900 (+41.36%) Land $104,900 Building $376,000
2024	$4,432.00 (+8.76%)
2023	$4,075.00 Homeowner's exemption	$340,200 Land $74,500 Building $265,700	$340,200 Land $74,500 Building $265,700

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 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.

Drinking Water

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

Violations Reported to EPA

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.

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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