512 Ellrose Ct, Frederick, MD 21703 Property Records

Frederick County property record for 512 Ellrose Ct, Frederick, MD 21703

Property Summary

Property Type	Townhouse
Details	2 ba · 1,958 sqft · built 1981
Lot Size	0.087 acres (3,780 sqft)
Owner	Individual Name on File
Last Sale	$224,000 (Sep 2017)
Tax Bill	$4,093 (2025)
Deeds & Mortgages	Jun 2020 Loan Modification Sep 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-038366`

Property Details

APN / Parcel Number

Primary APN	`02-038366`
Alternative APNs	`2038366` `038366`

Interior

Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,958 sqft Living Area
1st Floor Area	728 sqft
Basement Area	550 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	3,780 sqft (0.087 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	038366
Street Address	512 ELLROSE CT
City	FREDERICK
State	MD
Zip	21703-6164
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R12
Legal Description	LT 38 SECT 8 3780 SQ FT HILLCREST ORCHARDS
Legal Subdivision	HILLCREST ORCHARDS
Legal Lot Number	38
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1008
Census Tract	750505

Owner

512 Ellrose Ct, a townhouse, is owned and occupied by an individual who bought it in September 2017.

Source: Frederick County records, as of August 31, 2026

Owner of Record	Individual Name on File
Mailing Address	512 ELLROSE CT, FREDERICK, MD 21703-6164
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2020	Loan Modification, Mortgage PENNYMAC
Sep 21, 2017	Deed, Transfer · Stand-Alone First Mortgage FREDERICK COUNTY
Jun 12, 2017	Grant Deed, Transfer · Construction Mortgage LENDINGONE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2017 · Amount on File
Deed Sale	Sep 21, 2017 · Amount on File
Prior Sale	Jun 12, 2017 · Amount on File
Deed Document Number	201712040-0254
Deed Book / Page	12040 / 254
Record Updated	Oct 29, 2026

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FREDERICK MD
Property Address	512 ELLROSE CT, FREDERICK, MD 21703-6164
Document Number	0141350257
Instrument Date	Jun 19, 2020
Transaction Type	Mortgage
Record Updated	Oct 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 ELLROSE CT FREDERICK MD 217036164, FREDERICK, MD 21703-6164

Mortgage

Document Number	0141350257
Date	Sep 30, 2020
Book Page	014135/000257

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Term	360 Months
Due	Sep 29, 2050

Interest

Rate	3.75%

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 21, 2017
Property Address	512 ELLROSE CT, FREDERICK, MD 21703-6164
Document Number	0120400254
Book / Page	12040 / 0254
Map Reference	MB22 PG194
Instrument Date	Sep 15, 2017
Instrument	12040-0254
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,688.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 ELLROSE CT, FREDERICK, MD 21703-6164

Mortgage

Document Number	0120400280
Date	Sep 21, 2017
Instrument	12040-0280

Lender

Name	FREDERICK COUNTY
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	0120400262
Date	Sep 21, 2017
Book Page	12040/0262
Instrument	12040-0262

Lender

Name	NFM INC
Type	Non-Lending Institution
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 12, 2017
Property Address	512 ELLROSE CT, FREDERICK, MD 21703-6164
Document Number	0118650025
Book / Page	011865 / 000025
Instrument Date	May 1, 2017
Transaction Type	Transfer
Record Updated	Jul 25, 2017
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$99.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9044 HOLLOW RD MIDDLETOWN MD 217699423, MIDDLETOWN, MD 21769-9423

Mortgage

Document Number	118650031
Date	Jun 12, 2017
Book Page	011865/000031

Lender

Name	LENDINGONE
Address	BOCA RATON, FL 33431

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 11, 2018

Tax Assessment & Valuation

The 2025 property tax bill for 512 Ellrose Ct was $4,093 with a homeowner's exemption.

Source: Frederick County assessment roll, as of August 7, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$358,167 (+4.45%)	$388,700 (+13.36%) Land $120,000 Building $268,700
2025	$4,093.00 Homeowner's exemption	$342,900 Land $85,000 Building $257,900	$342,900 Land $85,000 Building $257,900
2023	$3,528.00 Homeowner's exemption	$280,233	$342,900 Land $85,000 Building $257,900

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

Flood

FEMA maps place 512 Ellrose Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 6, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 512 Ellrose Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF FREDERICK serves 54,000 people · EPA ID MD0100015
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	1 ppb (2019–2021) 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 297 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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