545 Ellrose Ct, Frederick, MD 21703 Property Records

Frederick County property record for 545 Ellrose Ct, Frederick, MD 21703

Property Summary

Property Type	Townhouse
Details	2 ba · 1,408 sqft · built 1981
Lot Size	0.087 acres (3,780 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Apr 2005)
Tax Bill	$4,909 (2025)
Deeds & Mortgages	Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-038196`

Property Details

APN / Parcel Number

Primary APN	`02-038196`
Alternative APNs	`2038196` `038196`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,908 sqft Living Area
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	3,780 sqft (0.087 acres)
Deck Area	240 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	038196
Street Address	545 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 23 SECT 8 3780 SQ FT HILLCREST ORCHARDS
Legal Subdivision	HILLCREST ORCHARDS
Legal Lot Number	23
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	Individual Name on Record
Mailing Address	545 ELLROSE CT, FREDERICK, MD 21703-6167
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2005 · Amount on Record
Deed Sale	Apr 4, 2005 · Amount on Record
Prior Sale	Jul 30, 2001 · Amount on Record
Deed Document Number	200552257
Deed Book / Page	5229 / 240
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	545 ELLROSE CT, FREDERICK, MD 21703-6167
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	FIRST EXCEL TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0116260001
Date	Jan 19, 2017
Book Page	11626/0001
Instrument	11626-0001

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Lending Institution
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2032

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		$309,100 (+29.8%)	$339,300 (+15.41%) Land $120,000 Building $219,300
2025	$4,909.00 (+12.39%)
2023	$4,368.00	$238,133	$294,000 Land $85,000 Building $209,000

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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