4512 Willow Tree Dr, Middletown, MD 21769 Property Records

Frederick County property record for 4512 Willow Tree Dr, Middletown, MD 21769 · Last verified September 2023

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,334 sqft · built 1968
Lot Size	0.459 acres (20,037 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (May 2018)
Tax Bill	$3,775 (2023)
Deeds & Mortgages	Dec 2020 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-150593`

Property Details

APN / Parcel Number

Primary APN	`03-150593`
Alternative APNs	`3150593` `150593`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,334 sqft Total Area
1st Floor Area	1,930 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Architectural Style	Split Level
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	20,037 sqft (0.459 acres)
Garage Type	Mixed
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	126 sqft
Patio Area	232 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	150593
Old Parcel Number	3150593
Street Address	4512 WILLOW TREE DR
City	MIDDLETOWN
State	MD
Zip	21769-7607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 7, BLK. F, PLAT 4 .46 AC WILLOW TREE DR.
Legal Subdivision	FOUNTAINDALE SUB 4
Legal Block	F
Legal Lot Number	7
Jurisdiction	FREDERICK MD
Township / Civil Division	3, MIDDLETOWN
Census Block Group	1
Census Block	1001
Census Tract	752603

Owner

Source: Frederick County records · APN 03-150593

Assessment roll updated July 1, 2023 · Last verified September 2023

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 File
Mailing Address	4512 WILLOW TREE DR, MIDDLETOWN, MD 21769-7607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage CONTOUR MORTGAGE CORP
Jul 15, 2019	Deed of Trust, Mortgage · Conventional with PMI EMBRACE HM LOANS
May 17, 2018	Grant Deed, Transfer · Conventional with PMI EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 17, 2018 · Amount on Record
Deed Sale	May 17, 2018 · Amount on Record
Deed Document Number	0001241979
Deed Book / Page	12419 / 79
Record Updated	Jun 07, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4512 WILLOW TREE DR, MIDDLETOWN, MD 21769-7607
Transaction Type	Mortgage
Record Updated	May 02, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4512 WILLOW TREE DR, MIDDLETOWN, MD 21769-7607

Mortgage

Document Number	0143910402
Date	Dec 23, 2020
Book Page	14391/402

Lender

Name	CONTOUR MORTGAGE CORP
Type	Mortgage Company
Address	GARDEN CITY, NY 11530

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4512 WILLOW TREE DR, MIDDLETOWN, MD 21769-7607
Document Number	0131170153
Instrument Date	Jul 15, 2019
Transaction Type	Mortgage
Record Updated	Aug 12, 2019
Title Company	LAWYERS SIGNATURE SETTLEMENTS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4512 WILLOW TREE DR MIDDLETOWN MD 217697607, MIDDLETOWN, MD 21769-7607

Mortgage

Document Number	0131170153
Date	Jul 31, 2019
Book Page	013117/000153

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

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

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	May 17, 2018
Property Address	4512 WILLOW TREE DR, MIDDLETOWN, MD 21769-7607
Document Number	0124190079
Book / Page	012419 / 000079
Instrument Date	May 11, 2018
Transaction Type	Transfer
Record Updated	Jun 01, 2018
Title Company	LAWYERS SIGNATURE SETTLEMENTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$325.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4512 WILLOW TREE DR MIDDLETOWN MD 217697607, MIDDLETOWN, MD 21769-7607

Mortgage

Document Number	124190086
Date	May 17, 2018
Book Page	012419/000086

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 16, 2048

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated July 1, 2023 · Last verified September 2023

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$3,775.00	$314,600 Land $75,600 Building $239,000	$314,600 Land $75,600 Building $239,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217526031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 251 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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