Frederick County property record for 5514 Upper Mill Ter N, Frederick, MD 21703
| Property Type | Townhouse |
|---|---|
| Details | 3 ba · 2,570 sqft · built 2001 |
| Lot Size | 0.075 acres (3,250 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $430,000 (Jul 2024) |
| Tax Bill | $4,215 (2025) |
| Deeds & Mortgages | Apr 2020 Sale Jul 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-581807 |
| Primary APN | 28-581807 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 3 Stories |
| Building Area | 2,570 sqft Living Area |
| 1st Floor Area | 800 sqft |
| Basement Area | 580 sqft |
| Finished Basement | 580 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Townhouse |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 3,250 sqft (0.075 acres) |
| Deck Area | 120 sqft |
| Patio Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 581807 |
|---|---|
| Street Address | 5514 UPPER MILL TER N |
| City | FREDERICK |
| State | MD |
| Zip | 21703-6800 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | MXD |
| Legal Description | LOT 23 PHASE 1 3250 SQ FT WESTVIEW PARK |
| Legal Subdivision | WESTVIEW PARK PH 1 |
| Legal Phase | 1 |
| Legal Lot Number | 23 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 751003 |
5514 Upper Mill Ter N, a townhouse, is owned and occupied by two individuals who bought it in July 2024.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5514 UPPER MILL TER N, FREDERICK, MD 21703-6800 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 30, 2020 | Grant Deed, Transfer OLD TOWNE TITLE COMPANY, OLD TOWNE TITLE CO |
| Jul 1, 2019 | Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR |
| Oct 2, 2018 | Grant Deed, Transfer LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE CO INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 3, 2024 · Amount on File |
| Deed Sale | Jul 3, 2024 · Amount on File |
| Prior Sale | Apr 30, 2020 · Amount on File |
| Deed Book / Page | 16930 / 129 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Apr 30, 2020 |
| Property Address | 5514 UPPER MILL TER N, FREDERICK, MD 21703-6800 |
| Document Number | 0136940435 |
| Book / Page | 013694 / 000435 |
| Instrument Date | Apr 28, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2020 |
| Title Company | OLD TOWNE TITLE COMPANY, OLD TOWNE TITLE CO |
| Amount | Amount on Record |
|---|---|
| Tax | $299.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5514 UPPER MILL TER N FREDERICK MD 217036800, FREDERICK, MD 21703-6800 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 5514 UPPER MILL TER N, FREDERICK, MD 21703-6800 |
| Document Number | 0133020260 |
| Instrument Date | Jul 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2019 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Address | 5514 UPPER MILL TER N FREDERICK MD 217036800, FREDERICK, MD 21703-6800 |
| Document Number | 0133020260 |
|---|---|
| Date | Oct 25, 2019 |
| Book Page | 013302/000260 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Oct 2, 2018 |
| Property Address | 5514 UPPER MILL TER N, FREDERICK, MD 21703-6800 |
| Document Number | 0126490251 |
| Book / Page | 012649 / 000251 |
| Instrument Date | Sep 24, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2019 |
| Title Company | LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE CO INC |
| Amount | Amount on Record |
|---|---|
| Tax | $277.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 5514 UPPER MILL TER N FREDERICK MD 217036800, FREDERICK, MD 21703-6800 |
The 2025 property tax bill for 5514 Upper Mill Ter N was $4,215.
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 | $366,533 | $424,000 Land $115,000 Building $309,000 | |
| 2025 | $4,215.00 | ||
| 2023 | $3,561.00 | $296,333 | $337,800 Land $80,000 Building $257,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5514 Upper Mill Ter N in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
The area around 5514 Upper Mill Ter N has no burnable land within ember reach, so its wildfire risk is not rated.
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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