4500 Willow Tree Dr, Middletown, MD 21769 Property Records

Frederick County property record for 4500 Willow Tree Dr, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,417 sqft · built 1971
Lot Size	0.42 acres (18,295 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Nov 2022)
Tax Bill	$4,422 (2025)
Deeds & Mortgages	Nov 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-143473`

Property Details

APN / Parcel Number

Primary APN	`03-143473`
Alternative APNs	`3143473` `143473`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,417 sqft Living Area
Gross Area	3,005 sqft
1st Floor Area	1,467 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Split Level
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	18,295 sqft (0.42 acres)
Garage Type	Attached
Garage Area	348 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	297 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Municipal

Location & Zoning

Account Number	143473
Street Address	4500 WILLOW TREE DR
City	MIDDLETOWN
State	MD
Zip	21769-7607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LT 1 BL F PL 5 .42 AC N/S WILLOW TREE N/S WILLOW TREE DR.
Legal Subdivision	FOUNTAIN DALE
Legal Block	F
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

4500 Willow Tree Dr is owned and occupied by an individual who bought it in November 2022.

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

Owner of Record	Individual Name on File
Mailing Address	4500 WILLOW TREE DR, MIDDLETOWN, MD 21769-7607
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2022 · Amount on File
Deed Sale	Nov 16, 2022 · Amount on File
Prior Sale	Apr 10, 2002
Deed Book / Page	16224 / 221
Prior Transfer Date	Jan 11, 2022
Prior Transfer Doc	0162240221
Record Updated	Oct 29, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Nov 16, 2022
Property Address	4500 WILLOW TREE DR, MIDDLETOWN, MD 21769-7607
Document Number	0162240221
Book / Page	16224 / 221
Map Reference	MB 5 FO 97
Instrument Date	Jan 11, 2022
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4500 WILLOW TREE DR, MIDDLETOWN, MD 21769-7607

Mortgage

Document Number	0016224229
Date	Nov 16, 2022
Instrument	16224/229

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	351 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 4500 Willow Tree Dr was $4,422 with a homeowner's exemption, up 6.3% from the year before.

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		$452,000 (+10.88%) Land $104,400 Building $347,600	$452,000 (-) Land $104,400 Building $347,600
2025	$4,422.00 (+6.3%) Homeowner's exemption	$407,633	$452,000 Land $104,400 Building $347,600
2024	$4,160.00 (+8.76%)
2023	$3,825.00 Homeowner's exemption	$318,900 Land $74,100 Building $244,800	$318,900 Land $74,100 Building $244,800

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

Flood

FEMA maps place 4500 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

Wildfire risk around 4500 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.

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.

Nearby Properties on Willow Tree Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures