4506 Willow Tree Dr, Middletown, MD 21769 Property Records

Frederick County property record for 4506 Willow Tree Dr, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,245 sqft · built 1968
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$69,000 (Apr 1998)
Tax Bill	$4,160 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Mar 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-142531`

Property Details

APN / Parcel Number

Primary APN	`03-142531`
Alternative APNs	`3142531` `142531`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,245 sqft Living Area
Gross Area	2,635 sqft
1st Floor Area	1,845 sqft
Basement Area	400 sqft
Finished Basement	400 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Split Foyer
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Attached
Garage Area	390 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	168 sqft
Deck Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	142531
Street Address	4506 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 4, BLK. F, PLAT 5 .34 AC WILLOW TREE DR. FOUNTAINDALE
Legal Subdivision	FOUNTAINDALE
Legal Block	F
Legal Lot Number	4
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 7, 2026

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	4506 WILLOW TREE DR, MIDDLETOWN, MD 21769-7607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Mar 22, 2017	Deed of Trust, Mortgage · Commercial Mortgage PNC BANK NA
Jun 10, 2020	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 1998 · Amount on Record
Deed Sale	Apr 22, 1998 · Amount on Record
Deed Document Number	19982290
Deed Book / Page	2408 / 423
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4506 WILLOW TREE DR, MIDDLETOWN, MD 21769-7607
Transaction Type	Mortgage
Record Updated	Apr 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4506 WILLOW TREE DR, MIDDLETOWN, MD 21769-7607

Mortgage

Document Number	0163780499
Date	Mar 29, 2023
Book Page	16378/499

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Mar 15, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4506 WILLOW TREE DR, MIDDLETOWN, MD 21769-7607
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0117280044
Date	Mar 22, 2017
Book Page	11728/0044
Instrument	11728-0044

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	131 Months
Due	Feb 16, 2028

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4506 WILLOW TREE DR, MIDDLETOWN, MD 21769-7607
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0137970394
Date	Jun 10, 2020
Book Page	13797/394

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$425,600 (+10.95%) Land $100,200 Building $325,400	$425,600 (-) Land $100,200 Building $325,400
2025	$4,160.00 (+6.29%) Homeowner's exemption	$383,600 (+28.04%)	$425,600 (+42.06%) Land $100,200 Building $325,400
2024	$3,914.00 (+8.75%)
2023	$3,599.00 Homeowner's exemption	$299,600 Land $71,100 Building $228,500	$299,600 Land $71,100 Building $228,500

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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