523 Ellrose Ct, Frederick, MD 21703 Property Records

Frederick County property record for 523 Ellrose Ct, Frederick, MD 21703

Property Summary

Property Type	Townhouse
Details	3.5 ba · 1,408 sqft · built 1981
Lot Size	0.041 acres (1,800 sqft)
Owner	2 Individual Names on File
Last Sale	$237,000 (Sep 2005)
Tax Bill	$3,882 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-038072`

Property Details

APN / Parcel Number

Primary APN	`02-038072`
Alternative APNs	`2038072` `038072`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,408 sqft Living Area
1st Floor Area	728 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	1,800 sqft (0.041 acres)
Deck Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	038072
Street Address	523 ELLROSE CT
City	FREDERICK
State	MD
Zip	21703-6147
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R12
Legal Description	LT 12 SECT 8 1800 SQ FT HILLCREST ORCHARDS
Legal Subdivision	HILLCREST ORCHARDS
Legal Lot Number	12
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1008
Census Tract	750505

Owner

523 Ellrose Ct, a townhouse, is owned and occupied by two individuals who bought it in September 2005.

Source: Frederick County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	523 ELLROSE CT, FREDERICK, MD 21703-6147
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
Aug 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jan 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2005 · Amount on File
Deed Sale	Sep 19, 2005 · Amount on File
Deed Document Number	200557175
Deed Book / Page	5573 / 387
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	523 ELLROSE CT, FREDERICK, MD 21703-6147
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0152050049
Date	Aug 18, 2021
Book Page	15205/49

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	356 Months
Due	Apr 1, 2051

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	523 ELLROSE CT, FREDERICK, MD 21703-6147
Document Number	0122540384
Book / Page	012254 / 000384
Instrument Date	Jan 16, 2018
Transaction Type	Mortgage
Record Updated	Feb 8, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 ELLROSE CT FREDERICK MD 217036147, FREDERICK, MD 21703-6147

Mortgage

Document Number	0122540384
Date	Jan 29, 2018
Book Page	012254/000384

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 28, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 523 Ellrose Ct was $3,882 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		$281,633	$322,700 Land $120,000 Building $202,700
2025	$3,882.00
2023	$3,455.00 Homeowner's exemption	$214,833	$261,100 Land $85,000 Building $176,100

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

Flood

FEMA maps place 523 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 523 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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