Frederick County property record for 5418 Upper Mill Ter S, Frederick, MD 21703
| Property Type | Townhouse |
|---|---|
| Details | 4 ba · 1,760 sqft · built 2004 |
| Lot Size | 0.045 acres (2,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $273,000 (Aug 2017) |
| Tax Bill | $3,608 (2023) |
| Deeds & Mortgages | Apr 2021 Mortgage Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-585675 |
| Primary APN | 28-585675 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,760 sqft Total Area |
| 1st Floor Area | 880 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Architectural Style | Townhouse |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 2,000 sqft (0.045 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 585675 |
|---|---|
| Street Address | 5418 UPPER MILL TER S |
| City | FREDERICK |
| State | MD |
| Zip | 21703-7308 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | MXD |
| Legal Description | LOT 109 PHASE III 2,000 SQ. FT. WESTVIEW PARK |
| Legal Subdivision | WESTVIEW PARK PH 03 |
| Legal Phase | 3 |
| Legal Lot Number | 109 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 751003 |
Source: Frederick County records · APN 28-585675
Assessment roll updated July 1, 2023 · Last verified September 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 5418 UPPER MILL TER S, FREDERICK, MD 21703-7308 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 05, 2021 | Deed of Trust, Mortgage · FHA Mortgage SEMPER HOME LOANS INC |
| Aug 17, 2017 | Deed, Transfer · FHA Mortgage NORWICH COMMERCIAL GROUP INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 17, 2017 · Amount on Record |
| Deed Sale | Aug 17, 2017 · Amount on Record |
| Prior Sale | Apr 08, 2009 · Amount on Record |
| Deed Document Number | 0011985226 |
| Deed Book / Page | 11985 / 226 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 5418 UPPER MILL TER S, FREDERICK, MD 21703-7308 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | CASTLE TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 5418 UPPER MILL TER S, FREDERICK, MD 21703-7308 |
| Document Number | 0147280397 |
|---|---|
| Date | Apr 05, 2021 |
| Book Page | 14728/397 |
| Name | SEMPER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | PROVIDENCE, RI 02907 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Aug 17, 2017 |
| Property Address | 5418 UPPER MILL TER S, FREDERICK, MD 21703-7308 |
| Document Number | 0119850226 |
| Book / Page | 11985 / 0226 |
| Map Reference | MB75 PL115 |
| Instrument Date | Jul 31, 2017 |
| Instrument | 11985-0226 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Title Company | CASTLE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,276.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 5418 UPPER MILL TER S, FREDERICK, MD 21703-7308 |
| Document Number | 119850233 |
|---|---|
| Date | Aug 17, 2017 |
| Instrument | 11985-0233 |
| Name | NORWICH COMMERCIAL GROUP INC |
|---|---|
| Type | Non-Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2047 |
Source: Frederick County records · Assessment roll updated July 1, 2023 · Last verified September 2023
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $3,608.00 | $300,367 | $342,500 Land $80,000 Building $262,500 |
Source: FEMA National Flood Hazard Layer as of November 6, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 1 (2015) |
| Most Recent Claim | Sep 2015 · rainfall accumulation |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 324 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NEW DESIGN - FREDERICK COUNTY serves 74,911 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2025 |
| Lead | 3 ppb (2019) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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