Frederick County property record for 5423 Upper Mill Ter S, Frederick, MD 21703
| Property Type | Townhouse |
|---|---|
| Details | 3 ba · 2,056 sqft · built 2003 |
| Lot Size | 0.051 acres (2,200 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $383,000 (Jun 2022) |
| Tax Bill | $4,263 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Aug 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-585020 |
| Primary APN | 28-585020 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 3 Stories |
| Building Area | 2,056 sqft Living Area |
| Gross Area | 2,296 sqft |
| 1st Floor Area | 696 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 585020 |
|---|---|
| Street Address | 5423 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 137 PHASE II 2,200 SQ. FT. WESTVIEW PARK |
| Legal Subdivision | WESTVIEW PARK PH 02 |
| Legal Phase | 2 |
| Legal Lot Number | 137 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 751003 |
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 | 700 DOCKVIEW WAY, 1119, TAMPA, FL 33602-6730 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MID-ATLANTIC FCU |
| Aug 5, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MID-ATLANTIC FCU |
| Jun 9, 2022 | Deed, Transfer · Conventional Mortgage THRIVE MORTGAGE LLC |
| May 9, 2018 | Deed, Transfer · Conventional Mortgage BANK OF ENGLAND |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 9, 2022 · Amount on Record |
| Deed Sale | Jun 9, 2022 · Amount on Record |
| Prior Sale | May 9, 2018 · Amount on Record |
| Deed Book / Page | 15972 / 279 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 5423 UPPER MILL TER S, FREDERICK, MD 21703-7097 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | ELITE SETTLEMENTS LLC |
| Name | Verified Name |
|---|---|
| Address | 5423 UPPER MILL TER S, FREDERICK, MD 21703-7097 |
| Document Number | 0154510252 |
|---|---|
| Date | Nov 1, 2021 |
| Book Page | 15451/252 |
| Name | MID-ATLANTIC FCU |
|---|---|
| Type | Credit Union |
| Address | GERMANTOWN, MD 20874 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 5423 UPPER MILL TER S, FREDERICK, MD 21703-7097 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | EXCALIBUR TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | 0131250052 |
|---|---|
| Date | Aug 5, 2019 |
| Book Page | 13125/0052 |
| Name | MID-ATLANTIC FCU |
|---|---|
| Type | Bank |
| Address | GERMANTOWN, MD 20874 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jun 9, 2022 |
| Property Address | 5423 UPPER MILL TER S, FREDERICK, MD 21703-7097 |
| Document Number | 0159720279 |
| Book / Page | 15972 / 279 |
| Map Reference | MB 70 PG 130 |
| Instrument Date | May 17, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2022 |
| Title Company | SAGE TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,915.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 19931 SWEETGUM CIR APT 23, 19931, GERMANTOWN, MD 20874-3786 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 5423 UPPER MILL TER S, FREDERICK, MD 21703-7097 |
| Document Number | 0015972285 |
|---|---|
| Date | Jun 9, 2022 |
| Instrument | 15972/285 |
| Name | THRIVE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 9, 2018 |
| Property Address | 5423 UPPER MILL TER S, FREDERICK, MD 21703-7097 |
| Document Number | 0124030444 |
| Book / Page | 12403 / 0444 |
| Map Reference | MB70 PG130 |
| Instrument Date | Apr 30, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | EXCALIBUR TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,415.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 5423 UPPER MILL TER S, FREDERICK, MD 21703-7097 |
| Investor | Possibly a Property Investor |
| Document Number | 0012403450 |
|---|---|
| Date | May 9, 2018 |
| Instrument | 12403/450 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2048 |
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $368,900 (+26%) | $395,700 (+11.31%) Land $115,000 Building $280,700 | |
| 2025 | $4,263.00 (+21.14%) | ||
| 2023 | $3,519.00 | $292,767 | $355,500 Land $80,000 Building $275,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
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