540 Ellrose Ct, Frederick, MD 21703 Property Records

Frederick County property record for 540 Ellrose Ct, Frederick, MD 21703

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,422 sqft · built 1983
Lot Size	0.087 acres (3,780 sqft)
Owner	Individual Name on Record
Last Sale	$98,500 (Sep 1994)
Tax Bill	$3,880 (2025)
Deeds & Mortgages	Dec 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`02-038218`

Property Details

APN / Parcel Number

Primary APN	`02-038218`
Alternative APNs	`2038218` `038218`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,422 sqft Living Area
1st Floor Area	742 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	3,780 sqft (0.087 acres)
Deck Area	70 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	038218
Street Address	540 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 24 SECT 8 3780 SQ FT HILLCREST ORCHARDS
Legal Subdivision	HILLCREST ORCHARDS
Legal Lot Number	24
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1008
Census Tract	750505

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	540 ELLROSE CT, FREDERICK, MD 21703-6166
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 1994 · Amount on Record
Deed Sale	Sep 9, 1994 · Amount on Record
Prior Sale	Jul 7, 1987 · Amount on Record
Deed Book / Page	2042 / 693
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	540 ELLROSE CT, FREDERICK, MD 21703-6166
Document Number	0134220389
Instrument Date	Dec 11, 2019
Transaction Type	Mortgage
Record Updated	Jan 15, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 ELLROSE CT FREDERICK MD 217036166, FREDERICK, MD 21703-6166

Mortgage

Document Number	0134220389
Date	Dec 27, 2019
Book Page	013422/000389

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 26, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$293,267 (+30.65%)	$323,400 (+16.25%) Land $120,000 Building $203,400
2025	$3,880.00 (+12.4%)
2023	$3,452.00 Homeowner's exemption	$224,467	$278,200 Land $85,000 Building $193,200

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

Flood

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

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.

Nearby Properties on Ellrose Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures