541 Ellrose Ct, Frederick, MD 21703 Property Records

Frederick County property record for 541 Ellrose Ct, Frederick, MD 21703

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,908 sqft · built 1981
Lot Size	0.041 acres (1,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,950 (Jun 2026)
Tax Bill	$5,507 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-038161`

Property Details

APN / Parcel Number

Primary APN	`02-038161`
Alternative APNs	`2038161` `038161`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,908 sqft Living Area
Gross Area	2,088 sqft
1st Floor Area	728 sqft
Basement Area	500 sqft
Finished Basement	500 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)

Exterior Amenities

Porch	Open Porch
Porch Area	180 sqft
Deck Area	180 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	038161
Street Address	541 ELLROSE CT
City	FREDERICK
State	MD
Zip	21703-6167
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R12
Legal Description	LT 21 SECT 8 1800 SQ FT HILLCREST ORCHARDS
Legal Subdivision	HILLCREST ORCHARDS
Legal Lot Number	21
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	541 ELLROSE CT, FREDERICK, MD 21703-6167
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Jul 21, 2021	Deed of Trust, Mortgage · FHA Mortgage CAPITAL BANK NA
Mar 23, 2018	Deed, Transfer · FHA Mortgage CAPITAL BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2026 · Amount on Record
Deed Sale	Jun 30, 2026 · Amount on Record
Prior Sale	Mar 23, 2018 · Amount on Record
Deed Book / Page	17940 / 160
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 30, 2026
Property Address	541 ELLROSE CT, FREDERICK, MD 21703-6167
Document Number	1794000160
Book / Page	17940 / 160
Instrument Date	Jun 26, 2026
Transaction Type	Transfer
Record Updated	Jul 9, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$379,709.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	541 ELLROSE CT, FREDERICK, MD 21703-6167

Mortgage

Document Number	1794000169,
Date	Jun 30, 2026
Book Page	17940/169

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	541 ELLROSE CT, FREDERICK, MD 21703-6167
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	541 ELLROSE CT, FREDERICK, MD 21703-6167

Mortgage

Document Number	0151120182
Date	Jul 21, 2021
Book Page	15112/182

Lender

Name	CAPITAL BANK NA
Type	Bank
Address	ROCKVILLE, MD 20850

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	320 Months
Due	Mar 1, 2048

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 23, 2018
Property Address	541 ELLROSE CT, FREDERICK, MD 21703-6167
Document Number	0123280227
Book / Page	12328 / 0227
Map Reference	MB22 PL194
Instrument Date	Feb 14, 2018
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	DB TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,544.00
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	541 ELLROSE CT, FREDERICK, MD 21703-6167

Mortgage

Document Number	0012328234
Date	Mar 23, 2018
Instrument	12328/234

Lender

Name	CAPITAL BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

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		$319,367 (+7.57%)	$364,300 (+22.7%) Land $120,000 Building $244,300
2025	$5,507.00 (+24.96%)	$296,900 (+23.55%) Land $85,000 Building $211,900	$296,900 (-) Land $85,000 Building $211,900
2023	$4,407.00	$240,300	$296,900 Land $85,000 Building $211,900

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	Low lower than 98% of the US · lower than 96% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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