4505 Willow Tree Dr, Middletown, MD 21769 Property Records

Frederick County property record for 4505 Willow Tree Dr, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,782 sqft · built 1968
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Last Sale	$470,000 (Dec 2024)
Tax Bill	$4,609 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-135136`

Property Details

APN / Parcel Number

Primary APN	`03-135136`
Alternative APNs	`3135136` `135136`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,782 sqft Living Area
Gross Area	2,070 sqft
1st Floor Area	1,482 sqft
Basement Area	300 sqft
Finished Basement	300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	65 sqft
Deck Area	390 sqft
Patio Area	390 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	135136
Street Address	4505 WILLOW TREE DR
City	MIDDLETOWN
State	MD
Zip	21769-7608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LT18 BL C PL 5 0.35 AC S.WILLOW TREE FOUNTAINDALE
Legal Subdivision	FOUNTAINDALE 05
Legal Block	C
Legal Lot Number	18
Jurisdiction	FREDERICK MD
Township / Civil Division	3, MIDDLETOWN
Census Block Group	1
Census Block	1002
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 7, 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 Record
Mailing Address	4505 WILLOW TREE DR, MIDDLETOWN, MD 21769-7608
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE
Jan 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage PHH MORTGAGE SERVICES CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2024 · Amount on Record
Deed Sale	Dec 13, 2024 · Amount on Record
Prior Sale	May 5, 2014 · Amount on Record
Deed Book / Page	17150 / 376
Prior Transfer Date	May 8, 2012
Prior Transfer Doc	0088800039
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4505 WILLOW TREE DR, MIDDLETOWN, MD 21769-7608
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	COMMONWEALTH LAND TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4505 WILLOW TREE DR, MIDDLETOWN, MD 21769-7608

Mortgage

Document Number	0141640480
Date	Oct 13, 2020
Book Page	14164/480

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23451

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4505 WILLOW TREE DR, MIDDLETOWN, MD 21769-7608
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0156480171
Date	Jan 11, 2022
Book Page	15648/171

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

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		$410,700 (+11%) Land $100,700 Building $310,000	$410,700 (-) Land $100,700 Building $310,000
2025	$4,609.00 (+22.16%)	$370,000 (+28.21%)	$410,700 (+42.31%) Land $100,700 Building $310,000
2024	$3,773.00 (+8.73%)
2023	$3,470.00 Homeowner's exemption	$288,600 Land $71,500 Building $217,100	$288,600 Land $71,500 Building $217,100

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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