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5551 Upper Mill Ter N, Frederick, MD 21703 Property Records

Frederick County property record for 5551 Upper Mill Ter N, Frederick, MD 21703

Property Summary

Property TypeTownhouse
Details3.5 ba · 2,070 sqft · built 2002
Lot Size0.084 acres (3,661 sqft)
OwnerIndividual Name on File
Last Sale$215,016 (Jun 2002)
Tax Bill$4,219 (2025)
Deeds & MortgagesMar 2017 Mortgage
Feb 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN28-582161

Property Details

APN / Parcel Number

Primary APN28-582161
Alternative APN
  • 582161

Interior

Full Baths3.5 Baths
Half Baths1 Half Bath
Stories3 Stories
Building Area2,070 sqft Living Area
1st Floor Area880 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Architectural StyleTownhouse
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area3,661 sqft (0.084 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
SewerMunicipal

Location & Zoning

Account Number582161
Street Address5551 UPPER MILL TER N
CityFREDERICK
StateMD
Zip21703-6801
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodeMXD
Legal DescriptionLOT 56 PHASE 1 3661 SQ FT WESTVIEW PARK
Legal SubdivisionWESTVIEW PARK
Legal Phase1
Legal Lot Number56
JurisdictionFREDERICK MD
Township / Civil Division2, FREDERICK
Census Block Group1
Census Block1006
Census Tract751003

Owner

Source: Frederick County records · APN 28-582161

Assessment roll updated August 7, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address1707 CHATHAM RIDGE CIR, 102, CHARLOTTE, NC 28273-3518
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 09, 2017Deed of Trust, Mortgage · Conventional Mortgage
GMH MORTGAGE SERVICES LLC
Feb 16, 2021Deed of Trust, Mortgage · Conventional Mortgage
CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 19, 2002 · Amount on Record
Deed SaleJun 19, 2002 · Amount on Record
Deed Document Number20024759
Deed Book / Page3172 / 901
Record UpdatedSep 20, 2026

March 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address5551 UPPER MILL TER N, FREDERICK, MD 21703-6801
Transaction TypeMortgage
Record UpdatedOct 26, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0117070306
DateMar 09, 2017
Book Page11707/0306
Instrument11707-0306
Lender
NameGMH MORTGAGE SERVICES LLC
TypeMortgage Company
AddressCONSHOHOCKEN, PA 19428
Agreement
TypeConventional Mortgage
AmountAmount Recorded

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address5551 UPPER MILL TER N, FREDERICK, MD 21703-6801
Transaction TypeMortgage
Record UpdatedOct 26, 2022
Title CompanyFIRST SOURCE TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address5551 UPPER MILL TER N, FREDERICK, MD 21703-6801

Mortgage

Document Number0145440166
DateFeb 16, 2021
Book Page14544/166
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
AddressBRECKSVILLE, OH 44141
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term354 Months
DueAug 01, 2050

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 7, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2026$355,333 (+19.79%)$389,800 (+15.29%) Land $115,000 Building $274,800
2025$4,219.00 (+18.38%)
2023$3,564.00$296,633$338,100 Land $80,000 Building $258,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217510031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 11 policies
Nearby Flood Policies11 in force
Nearby Flood Claims1 (2015)
Most Recent ClaimSep 2015 · rainfall accumulation

Wildfire

Wildfire RiskNot 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 140 locations within half a mile · Last verified October 2026

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
AT&T
Fixed Wireless		100 / 20

May also be available: Verizon.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water SystemNEW DESIGN - FREDERICK COUNTY
serves 74,911 people
Water SourceSurface water
Last State InspectionJan 2025
Lead3 ppb (2019)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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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