Frederick County property record for 4909 Whitney Ter, Frederick, MD 21703
| Property Type | Townhouse |
|---|---|
| Details | 3 ba · 1,768 sqft · built 2003 |
| Lot Size | 0.025 acres (1,100 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $240,000 (Mar 2020) |
| Tax Bill | $2,982 (2023) |
| Deeds & Mortgages | Mar 2020 Mortgage Mar 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-036408 |
| Primary APN | 01-036408 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 1,768 sqft Total Area |
| 1st Floor Area | 624 sqft |
| Year Built | Built 2003 |
|---|---|
| Architectural Style | Townhouse |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 1,100 sqft (0.025 acres) |
| Porch | Open Porch |
| Porch Area | 36 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 036408 |
|---|---|
| Old Parcel Number | 1036408 |
| Street Address | 4909 WHITNEY TER |
| City | FREDERICK |
| State | MD |
| Zip | 21703-6856 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PUD |
| Legal Description | LOT 411 SECTION 2 PLAT 15-1,100 SQ.FT. WELLINGTON TRACE |
| Legal Subdivision | WELLINGTON TRACE SEC 02 15 |
| Legal Lot Number | 411 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 1, BUCKEYSTOWN |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 752301 |
Source: Frederick County records, as of September 25, 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 4909 WHITNEY TER, FREDERICK, MD 21703-6856 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MAS ASSOCIATES LLC |
| Mar 23, 2020 | Deed, Transfer · Conventional Mortgage MAS ASSOCIATES LLC |
| Mar 13, 2017 | Grant Deed, Transfer · VA Mortgage USAA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 23, 2020 · Amount on Record |
| Deed Sale | Mar 23, 2020 · Amount on Record |
| Prior Sale | Mar 13, 2017 · Amount on Record |
| Deed Document Number | 0013605478 |
| Deed Book / Page | 13605 / 478 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4909 WHITNEY TER, FREDERICK, MD 21703-6856 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | GLOBAL TITLE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0136220464 |
|---|---|
| Date | Mar 31, 2020 |
| Book Page | 13622/464 |
| Name | MAS ASSOCIATES LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | OWINGS MILLS, MD 21117 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Mar 23, 2020 |
| Property Address | 4909 WHITNEY TER, FREDERICK, MD 21703-6856 |
| Document Number | 0136050478 |
| Book / Page | 13605 / 478 |
| Map Reference | MB 68 PL 19 |
| Instrument Date | Mar 6, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | GLOBAL TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $600.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4909 WHITNEY TER, 4909, FREDERICK, MD 21703-6856 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 4909 WHITNEY TER, FREDERICK, MD 21703-6856 |
| Document Number | 136050485 |
|---|---|
| Date | Mar 23, 2020 |
| Instrument | 13605/0485 |
| Name | MAS ASSOCIATES LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Mar 13, 2017 |
| Property Address | 4909 WHITNEY TER, FREDERICK, MD 21703-6856 |
| Document Number | 0117100259 |
| Book / Page | 011710 / 000259 |
| Instrument Date | Feb 24, 2017 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2017 |
| Title Company | RGS TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $221.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 4909 WHITNEY TER FREDERICK MD 217036856, FREDERICK, MD 21703-6856 |
| Document Number | 117100267 |
|---|---|
| Date | Mar 13, 2017 |
| Book Page | 011710/000267 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 12, 2047 |
Source: Frederick County assessment roll, as of July 1, 2023
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $2,982.00 (+5.82%) | $246,933 (+5.99%) | $260,900 (-) Land $80,000 Building $180,900 |
| 2022 | $2,818.00 | $232,967 | $260,900 Land $80,000 Building $180,900 |
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 | 1 in force |
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 | Not rated no burnable land within 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 | NEW DESIGN - FREDERICK COUNTY serves 74,911 people · EPA ID MD0100030 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2025 |
| Lead | 3 ppb (2019) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 567 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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