Frederick County property record for 4521 Willow Tree Dr, Middletown, MD 21769
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,431 sqft · built 1968 |
| Lot Size | 0.371 acres (16,177 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $145,000 (Feb 1991) |
| Tax Bill | $3,450 (2025) |
| Deeds & Mortgages | Nov 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-150550 |
| Primary APN | 03-150550 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,431 sqft Living Area |
| Gross Area | 1,755 sqft |
| 1st Floor Area | 1,131 sqft |
| Basement Area | 300 sqft |
| Finished Basement | 300 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 16,177 sqft (0.371 acres) |
| Garage Type | Attached |
| Garage Area | 324 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 328 sqft |
| Patio Area | 286 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Municipal |
| Account Number | 150550 |
|---|---|
| Street Address | 4521 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 | LT 12 BL C .37 AC WILLOW TREE DR FOUNTAINDALE |
| Legal Subdivision | FOUNTAINDALE 04 |
| Legal Block | C |
| Legal Lot Number | 12 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 3, MIDDLETOWN |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 752603 |
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.
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 | 4521 WILLOW TREE DR, MIDDLETOWN, MD 21769-7608 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 28, 1991 · Amount on Record |
| Deed Sale | Feb 28, 1991 · Amount on Record |
| Deed Book / Page | 1694 / 963 |
| Last Transfer Date | Aug 8, 2007 |
| Transfer Doc | 0067610388 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4521 WILLOW TREE DR, MIDDLETOWN, MD 21769-7608 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4521 WILLOW TREE DR, MIDDLETOWN, MD 21769-7608 |
| Document Number | 0143030212 |
|---|---|
| Date | Nov 25, 2020 |
| Book Page | 14303/212 |
| Name | MIDDLETOWN VALLEY BANK |
|---|---|
| Type | Bank |
| Address | MIDDLETOWN, MD 21769 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $351,300 (+10.94%) Land $101,900 Building $249,400 | $351,300 (-) Land $101,900 Building $249,400 | |
| 2025 | $3,450.00 (+6.25%) Homeowner's exemption | $316,667 (+28%) | $351,300 (+42%) Land $101,900 Building $249,400 |
| 2024 | $3,247.00 (+8.7%) | ||
| 2023 | $2,987.00 Homeowner's exemption | $247,400 Land $72,300 Building $175,100 | $247,400 Land $72,300 Building $175,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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