4502 Willow Tree Dr, Middletown, MD 21769 Property Records

Frederick County property record for 4502 Willow Tree Dr, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,112 sqft · built 1969
Lot Size	0.31 acres (13,503 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Apr 2017)
Tax Bill	$3,990 (2024)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-135241`

Property Details

APN / Parcel Number

Primary APN	`03-135241`
Alternative APNs	`3135241` `135241`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,112 sqft Living Area
Gross Area	2,424 sqft
1st Floor Area	1,412 sqft
Basement Area	700 sqft
Finished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	13,503 sqft (0.31 acres)
Garage Area	96 sqft
Porch	Enclosed Porch
Porch Area	508 sqft
Deck Area	247 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	135241
Street Address	4502 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 2, BLK. F, PLAT 5 .31 AC WILLOW TREE LANE WILLOW TREE LANE
Legal Subdivision	WILLOW TREE LANE
Legal Block	F
Legal Lot Number	2
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	2 Individual Names on Record
Mailing Address	4502 WILLOW TREE DR, MIDDLETOWN, MD 21769-7607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage MILLENNIUM FINANCIAL GROUP INC
Oct 22, 2019	Deed of Trust, Mortgage · Conventional with PMI NFM LNDG
Apr 7, 2017	Grant Deed, Transfer · FHA Mortgage NFM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2017 · Amount on Record
Deed Sale	Apr 7, 2017 · Amount on Record
Prior Sale	Nov 12, 2004
Deed Document Number	201711756-0430
Deed Book / Page	11756 / 430
Transfer Doc	0049610515
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4502 WILLOW TREE DR, MIDDLETOWN, MD 21769-7607
Transaction Type	Mortgage
Record Updated	Jul 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4502 WILLOW TREE DR, MIDDLETOWN, MD 21769-7607

Mortgage

Document Number	0146720060
Date	Mar 19, 2021
Book Page	14672/60

Lender

Name	MILLENNIUM FINANCIAL GROUP INC
Type	Lending Institution
Address	MIDDLETOWN, MD 21769

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4502 WILLOW TREE DR, MIDDLETOWN, MD 21769-7607
Document Number	0133130058
Instrument Date	Oct 22, 2019
Transaction Type	Mortgage
Record Updated	Nov 13, 2019
Title Company	CROWN TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4502 WILLOW TREE DR MIDDLETOWN MD 217697607, MIDDLETOWN, MD 21769-7607

Mortgage

Document Number	0133130058
Date	Oct 31, 2019
Book Page	013313/000058

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2049

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 7, 2017
Property Address	4502 WILLOW TREE DR, MIDDLETOWN, MD 21769-7607
Document Number	0117560430
Book / Page	011756 / 000430
Instrument Date	Mar 31, 2017
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	LAWYERS SIGNATURE SETTLEMENTS

Transaction

Amount	Amount Recorded
Tax	$275.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4502 WILLOW TREE DR MIDDLETOWN MD 217697607, MIDDLETOWN, MD 21769-7607

Mortgage

Document Number	117560450
Date	Apr 7, 2017
Book Page	011756/000450

Lender

Name	NFM
Address	LINTHICUM, MD 21090

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 6, 2047

Mortgage

Document Number	117560435,
Date	Apr 7, 2017
Book Page	011756/000435

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 6, 2047

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		$361,933 (+28.07%)	$401,600 (+42.11%) Land $98,700 Building $302,900
2024	$3,990.00 (+17.35%)
2023	$3,400.00	$282,600 Land $70,000 Building $212,600	$282,600 Land $70,000 Building $212,600

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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