Frederick County property record for 4938 Whitney Ter, Frederick, MD 21703
| Property Type | Townhouse |
|---|---|
| Details | 3 ba · 1,768 sqft · built 2003 |
| Lot Size | 0.032 acres (1,388 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $375,000 (Jul 2023) |
| Tax Bill | $3,500 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Jul 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-033905 |
| Primary APN | 01-033905 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 1,768 sqft Living Area |
| 1st Floor Area | 624 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Townhouse |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 1,388 sqft (0.032 acres) |
| Porch | Open Porch |
| Porch Area | 36 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 033905 |
|---|---|
| Street Address | 4938 WHITNEY TER |
| City | FREDERICK |
| State | MD |
| Zip | 21703-6855 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PUD |
| Legal Description | LOT 427 SECTION 2 PLAT 13-1,388 SQ. FT. WELLINGTON TRACE |
| Legal Subdivision | WELLINGTON TRACE SEC 02 13 |
| Legal Lot Number | 427 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 1, BUCKEYSTOWN |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 752301 |
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 | 4938 WHITNEY TER, FREDERICK, MD 21703-6855 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 16, 2022 | Deed of Trust, Mortgage · Line of Credit FCB BANKS |
| Jul 10, 2023 | Deed, Transfer · Conventional Mortgage MORTGAGE ACCESS CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 10, 2023 · Amount on Record |
| Deed Sale | Jul 10, 2023 · Amount on Record |
| Prior Sale | Aug 28, 2003 · Amount on Record |
| Deed Book / Page | 16512 / 99 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 4938 WHITNEY TER, FREDERICK, MD 21703-6855 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2023 |
| Title Company | CORPORATE SETTLEMENTS, CORPORATE SETTLEMENT SLN |
| Name | Verified Name |
|---|
| Document Number | 0161360494 |
|---|---|
| Date | Sep 16, 2022 |
| Book Page | 16136/494 |
| Name | FCB BANKS |
|---|---|
| Type | Bank |
| Address | GETTYSBURG, PA 17325 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jul 10, 2023 |
| Property Address | 4938 WHITNEY TER, FREDERICK, MD 21703-6855 |
| Document Number | 0165120099 |
| Book / Page | 16512 / 99 |
| Map Reference | MB 64 PG 165 |
| Instrument Date | Jun 30, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2023 |
| Title Company | CLASSIC SETTLEMENTS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $937.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4938 WHITNEY TER, FREDERICK, MD 21703-6855 |
| Document Number | 0016512104 |
|---|---|
| Date | Jul 10, 2023 |
| Instrument | 16512/104 |
| Name | MORTGAGE ACCESS CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2053 |
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 | $315,967 (+26.02%) | $341,500 (+28.92%) Land $100,000 Building $241,500 | |
| 2025 | $3,500.00 (+17.96%) | ||
| 2023 | $2,967.00 (+4.92%) Homeowner's exemption | $250,733 (+5.99%) | $264,900 (-) Land $85,000 Building $179,900 |
| 2022 | $2,828.00 Homeowner's exemption | $236,567 | $264,900 Land $85,000 Building $179,900 |
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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