5421 Upper Mill Ter S, Frederick, MD 21703 Property Records

Frederick County property record for 5421 Upper Mill Ter S, Frederick, MD 21703

Property Summary

Property Type	Townhouse
Details	4 ba · 1,860 sqft · built 2003
Lot Size	0.051 acres (2,200 sqft)
Owner	Individual Name on Record
Last Sale	$315,000 (Oct 2021)
Tax Bill	$3,883 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-585039`

Property Details

APN / Parcel Number

Primary APN	`28-585039`
Alternative APN	`585039`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	3 Stories
Building Area	2,040 sqft Living Area
Gross Area	2,280 sqft
1st Floor Area	680 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,200 sqft (0.051 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	40 sqft
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	585039
Street Address	5421 UPPER MILL TER S
City	FREDERICK
State	MD
Zip	21703-7097
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	MXD
Legal Description	LOT 138 PHASE II 2,200 SQ. FT. WESTVIEW PARK
Legal Subdivision	WESTVIEW PARK
Legal Phase	2
Legal Lot Number	138
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1012
Census Tract	751003

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	Individual Name on Record
Mailing Address	2055 WOODFORD RD, VIENNA, VA 22182-5029
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2021 · Amount on Record
Deed Sale	Oct 6, 2021 · Amount on Record
Prior Sale	Jun 26, 2008 · Amount on Record
Deed Book / Page	15359 / 135
Record Updated	Oct 29, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 6, 2021
Property Address	5421 UPPER MILL TER S, FREDERICK, MD 21703-7097
Document Number	0153590135
Book / Page	15359 / 135
Map Reference	MB 70 PL 130
Instrument Date	Sep 16, 2021
Transaction Type	Transfer
Record Updated	Oct 20, 2021
Title Company	LANDMARK TITLE, LANDMARK TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	10534 ASSEMBLY DR, FAIRFAX, VA 22030-2702

Mortgage

Document Number	15359142
Date	Oct 6, 2021
Instrument	15359/142

Lender

Name	A Z MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$324,867 (+19.64%)	$353,400 (+13.78%) Land $115,000 Building $238,400
2025	$3,883.00 (+18.75%)
2023	$3,270.00	$271,533	$310,600 Land $80,000 Building $230,600

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 · OpenFEMA NFIP redacted claims and policies, as of September 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

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.

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	NEW DESIGN - FREDERICK COUNTY serves 74,911 people · EPA ID MD0100030
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	3 ppb (2019) action level 15 ppb

Violations Reported to EPA

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, 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 324 locations within half a mile, as of December 31, 2025

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