4510 Willow Tree Dr, Middletown, MD 21769 Property Records

Frederick County property record for 4510 Willow Tree Dr, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,664 sqft · built 1968
Lot Size	0.31 acres (13,503 sqft)
Owner	2 Individual Names on Record
Last Sale	$545,000 (Jun 2026)
Tax Bill	$3,675 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Sep 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-142795`

Property Details

APN / Parcel Number

Primary APN	`03-142795`
Alternative APNs	`3142795` `142795`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,664 sqft Living Area
Gross Area	2,028 sqft
1st Floor Area	1,092 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Split Level
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	13,503 sqft (0.31 acres)
Garage Type	Attached
Garage Area	364 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	216 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Municipal

Location & Zoning

Account Number	142795
Street Address	4510 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 6, BLK. F, PLAT 5 .31 AC N/S WILLOW TREE N/S WILLOW TREE DR.
Legal Subdivision	FOUNTAIN DALE
Legal Block	F
Legal Lot Number	6
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 June 22, 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	4510 WILLOW TREE DR, MIDDLETOWN, MD 21769-7607
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2026	Deed, Transfer · Conventional Mortgage FRIENDSHIP TITLE, FRIENDS TITLE
Sep 18, 2025	Deed, Transfer
Mar 27, 2024	Deed of Trust, Mortgage · Line of Credit MIDDLETOWN VALLEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2026 · Amount on Record
Deed Sale	Jun 12, 2026 · Amount on Record
Prior Sale	Sep 18, 2025 · Amount on Record
Deed Book / Page	17911 / 286
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 12, 2026
Property Address	4510 WILLOW TREE DR, MIDDLETOWN, MD 21769-7607
Document Number	1791000286
Book / Page	17911 / 286
Instrument Date	Jun 11, 2026
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	FRIENDSHIP TITLE, FRIENDS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550,450.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4510 WILLOW TREE DR, MIDDLETOWN, MD 21769-7607

Mortgage

Document Number	1791000291,
Date	Jun 12, 2026
Book Page	17911/291

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 18, 2025
Property Address	4510 WILLOW TREE DR, MIDDLETOWN, MD 21769-7607
Document Number	0175190127
Book / Page	17519 / 127
Map Reference	MB 5 FO 97
Instrument Date	Sep 9, 2025
Transaction Type	Transfer
Record Updated	Oct 1, 2025

Transaction

Amount	Amount Recorded
Tax	$1,512.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	4511 WILLOW TREE DR, MIDDLETOWN, MD 21769-7608

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4510 WILLOW TREE DR, MIDDLETOWN, MD 21769-7607
Transaction Type	Mortgage
Record Updated	Apr 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4510 WILLOW TREE DR, MIDDLETOWN, MD 21769-7607

Mortgage

Document Number	0168070270
Date	Mar 27, 2024
Book Page	16807/270

Lender

Name	MIDDLETOWN VALLEY BANK
Type	Bank
Address	MIDDLETOWN, MD 21769

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 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	$3,675.00 (+15.57%) Homeowner's exemption	$337,233 (+27.79%)	$373,900 (+41.68%) Land $98,700 Building $275,200
2023	$3,180.00 Homeowner's exemption	$263,900 Land $70,000 Building $193,900	$263,900 Land $70,000 Building $193,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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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