4518 Willow Tree Dr, Middletown, MD 21769 Property Records

Frederick County property record for 4518 Willow Tree Dr, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,522 sqft · built 1967
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,605 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-127419`

Property Details

APN / Parcel Number

Primary APN	`03-127419`
Alternative APNs	`3127419` `127419`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,522 sqft Living Area
Gross Area	1,810 sqft
1st Floor Area	1,122 sqft
Basement Area	400 sqft
Finished Basement	400 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Split Foyer
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	17,424 sqft (0.4 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	3 Parking Spaces
Deck Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	127419
Street Address	4518 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 10, BLK. F., PLAT WILLOW TREE DR. FOUNTAINDALE
Legal Subdivision	FOUNTAINDALE
Legal Block	F
Legal Lot Number	10
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	4518 WILLOW TREE DR, MIDDLETOWN, MD 21769-7607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jan 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 2005
Deed Sale	Feb 3, 2005
Prior Sale	Sep 20, 2001
Deed Document Number	200550818
Deed Book / Page	5120 / 72
Transfer Doc	0000006525
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4518 WILLOW TREE DR, MIDDLETOWN, MD 21769-7607
Transaction Type	Mortgage
Record Updated	Nov 23, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0154770349
Date	Nov 8, 2021
Book Page	15477/349

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2036

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4518 WILLOW TREE DR, MIDDLETOWN, MD 21769-7607
Document Number	0137070045
Instrument Date	Feb 29, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4518 WILLOW TREE DR MIDDLETOWN MD 217697607, MIDDLETOWN, MD 21769-7607

Mortgage

Document Number	0137070045
Date	May 5, 2020
Book Page	013707/000045

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	May 4, 2045

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	4518 WILLOW TREE DR, MIDDLETOWN, MD 21769-7607
Document Number	0128270289
Instrument Date	Jan 19, 2019
Transaction Type	Mortgage
Record Updated	Feb 14, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4518 WILLOW TREE DR MIDDLETOWN MD 217697607, MIDDLETOWN, MD 21769-7607

Mortgage

Document Number	0128270289
Date	Feb 6, 2019
Book Page	012827/000289

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 5, 2049

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		$365,400 (+10.77%) Land $103,400 Building $262,000	$365,400 (-) Land $103,400 Building $262,000
2025	$3,605.00 (+6.25%) Homeowner's exemption	$329,867 (+27.46%)	$365,400 (+41.19%) Land $103,400 Building $262,000
2024	$3,393.00 (+8.72%)
2023	$3,121.00 Homeowner's exemption	$258,800 Land $73,300 Building $185,500	$258,800 Land $73,300 Building $185,500

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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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