7003 Opal Ct, Middletown, MD 21769 Property Records

Frederick County property record for 7003 Opal Ct, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,332 sqft · built 1980
Lot Size	0.519 acres (22,651 sqft)
Owner	Individual Name on File
Last Sale	$439,900 (Feb 2021)
Tax Bill	$3,906 (2023)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Oct 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-132307`

Property Details

APN / Parcel Number

Primary APN	`03-132307`
Alternative APNs	`3132307` `132307`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,332 sqft Total Area
1st Floor Area	1,188 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	22,651 sqft (0.519 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	132307
Old Parcel Number	3132307
Street Address	7003 OPAL CT
City	MIDDLETOWN
State	MD
Zip	21769-7526
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 6 BL W SEC 3 .52 AC 7003 OPAL CRT. FOUNTAINDALE SOUTH
Legal Subdivision	FOUNTAINDALE SOUTH
Legal Block	W
Legal Lot Number	6
Jurisdiction	FREDERICK MD
Township / Civil Division	3, MIDDLETOWN
Census Block Group	2
Census Block	2010
Census Tract	752603

Owner

7003 Opal Ct is owned and occupied by an individual who bought it in February 2021.

Source: Frederick County records, as of September 25, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	7003 OPAL CT, MIDDLETOWN, MD 21769-7526
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2021	Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Oct 22, 2020	Grant Deed, Transfer ATTORNEY ONLY
Oct 22, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2021 · Amount on File
Deed Sale	Feb 26, 2021 · Amount on File
Prior Sale	Oct 22, 2020 · Amount on File
Deed Document Number	0014594107
Deed Book / Page	14594 / 107
Record Updated	Jun 7, 2026

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Feb 26, 2021
Property Address	7003 OPAL CT, MIDDLETOWN, MD 21769-7526
Document Number	0145940107
Book / Page	14594 / 107
Map Reference	MB 17 FO 9
Instrument Date	Jan 27, 2021
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,199.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7003 OPAL CT, 7003, MIDDLETOWN, MD 21769-7526

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7003 OPAL CT, MIDDLETOWN, MD 21769-7526

Mortgage

Document Number	14594113
Date	Feb 26, 2021
Instrument	14594/113

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 22, 2020
Property Address	7003 OPAL CT, MIDDLETOWN, MD 21769-7526
Document Number	0141950189
Book / Page	014195 / 000189
Instrument Date	Sep 29, 2020
Transaction Type	Transfer
Record Updated	Oct 29, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7003 OPAL CT MIDDLETOWN MD 217697526, MIDDLETOWN, MD 21769-7526

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 22, 2020
Property Address	7003 OPAL CT, MIDDLETOWN, MD 21769-7526
Document Number	0141950181
Book / Page	014195 / 000181
Instrument Date	Sep 29, 2020
Transaction Type	Transfer
Record Updated	Oct 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$150.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7003 OPAL CT MIDDLETOWN MD 217697526, MIDDLETOWN, MD 21769-7526

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

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
2023	$3,906.00	$325,800 Land $85,500 Building $240,300	$325,800 Land $85,500 Building $240,300

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

Flood

FEMA maps place 7003 Opal Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.

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
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2004 · tidal / storm surge

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

Wildfire risk around 7003 Opal Ct is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	FOUNTAINDALE SOUTH serves 2,610 people · EPA ID MD0100013
Water Source	Groundwater influenced by surface water
Last State Inspection	Jul 2025
Lead	1 ppb (2015–2017) 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 305 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Glo Fiber, Verizon.

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