524 Ellrose Ct, Frederick, MD 21703 Property Records

Frederick County property record for 524 Ellrose Ct, Frederick, MD 21703

Property Summary

Property Type	Townhouse
Details	3 ba · 1,708 sqft · built 1981
Lot Size	0.041 acres (1,800 sqft)
Owner	2 Individual Names on File
Last Sale	$120,000 (Mar 2010)
Tax Bill	$3,838 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-038293`

Property Details

APN / Parcel Number

Primary APN	`02-038293`
Alternative APNs	`2038293` `038293`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,708 sqft Living Area
1st Floor Area	728 sqft
Basement Area	300 sqft
Finished Basement	300 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)
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	038293
Street Address	524 ELLROSE CT
City	FREDERICK
State	MD
Zip	21703-6166
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R12
Legal Description	LT 32 SECT 8 1800 SQ FT HILLCREST ORCHARDS
Legal Subdivision	HILLCREST ORCHARDS
Legal Lot Number	32
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1008
Census Tract	750505

Owner

524 Ellrose Ct, a townhouse, is owned and occupied by two individuals who acquired it in October 2017.

Source: Frederick County records, as of August 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	338 LOOKOUT MOUNTAIN CT, HARPERS FERRY, WV 25425-2207
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
Apr 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 20, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage M & T BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2010 · Amount on File
Deed Sale	Mar 29, 2010 · Amount on File
Prior Sale	Apr 21, 2006 · Amount on File
Deed Document Number	20101308
Deed Book / Page	7763 / 255
Last Transfer Date	Oct 17, 2017
Transfer Doc	0121930259
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	524 ELLROSE CT, FREDERICK, MD 21703-6166
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0158590289
Date	Apr 15, 2022
Book Page	15859/289

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Dec 20, 2017
Property Address	524 ELLROSE CT, FREDERICK, MD 21703-6166
Document Number	0121930259
Book / Page	12193 / 0259
Map Reference	MB22 PG194
Instrument Date	Oct 17, 2017
Instrument	12193-0259
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	FREDERICK, MD 21701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	FREDERICK, MD 21703
Investor	Possibly a Property Investor

Mortgage

Document Number	121930264
Date	Dec 20, 2017
Instrument	12193-0264

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 524 Ellrose Ct was $3,838 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		$285,400 (+7.82%)	$326,800 (+23.46%) Land $120,000 Building $206,800
2025	$3,838.00 Homeowner's exemption	$264,700 Land $85,000 Building $179,700	$264,700 Land $85,000 Building $179,700
2023	$3,415.00 Homeowner's exemption	$217,833	$264,700 Land $85,000 Building $179,700

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

Flood

FEMA maps place 524 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 524 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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