Frederick County property record for 7014 Willow Tree Dr S, Middletown, MD 21769
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,830 sqft · built 1976 |
| Lot Size | 0.459 acres (19,996 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $440,000 (Jul 2026) |
| Tax Bill | $4,115 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Mar 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-132862 |
| Primary APN | 03-132862 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,830 sqft Living Area |
| Gross Area | 2,190 sqft |
| 1st Floor Area | 760 sqft |
| Basement Area | 550 sqft |
| Finished Basement | 550 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 19,996 sqft (0.459 acres) |
| Garage Type | Attached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 225 sqft |
| Deck Area | 225 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 132862 |
|---|---|
| Street Address | 7014 WILLOW TREE DR S |
| City | MIDDLETOWN |
| State | MD |
| Zip | 21769-7407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LT 8 SEC 1B BL K PL 3 19996 FT FOUNTAINDALE SOUTH |
| Legal Subdivision | FOUNTAINDALE SOUTH |
| Legal Block | K |
| Legal Lot Number | 8 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 3, MIDDLETOWN |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 752603 |
Source: Frederick County records, as of August 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7014 WILLOW TREE DR S, MIDDLETOWN, MD 21769-7407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jul 13, 2026 | Deed, Transfer · Conventional Mortgage FIRST FEDERAL BANK |
| Mar 14, 2022 | Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jan 8, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage TIDEWATER MORTGAGE SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 13, 2026 · Amount on File |
| Deed Sale | Jul 13, 2026 · Amount on File |
| Prior Sale | Mar 14, 2022 · Amount on File |
| Deed Book / Page | 17954 / 499 |
| Prior Transfer Date | Dec 3, 2020 |
| Prior Transfer Doc | 0144310076 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jul 13, 2026 |
| Property Address | 7014 WILLOW TREE DR S, MIDDLETOWN, MD 21769-7407 |
| Document Number | 1795000499 |
| Book / Page | 17954 / 499 |
| Instrument Date | Jul 1, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2026 |
| Title Company | LAWYERS SIGNATURE SETTLEMENTS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $444,400.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 7014 WILLOW TREE DR S, MIDDLETOWN, MD 21769-7407 |
| Document Number | 1795000506, |
|---|---|
| Date | Jul 13, 2026 |
| Book Page | 17954/506 |
| Name | FIRST FEDERAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Mar 14, 2022 |
| Property Address | 7014 WILLOW TREE DR S, MIDDLETOWN, MD 21769-7407 |
| Document Number | 0157880295 |
| Book / Page | 15788 / 295 |
| Map Reference | MB 13 PG 99 |
| Instrument Date | Mar 1, 2022 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2022 |
| Title Company | LAWYERS SIGNATURE SETTLEMENTS, LAWYERS SIGNATURE STLMTS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,005.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 7014 WILLOW TREE DR S, MIDDLETOWN, MD 21769-7407 |
| Document Number | 0015788303 |
|---|---|
| Date | Mar 14, 2022 |
| Instrument | 15788/303 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jan 8, 2021 |
| Property Address | 7014 WILLOW TREE DR S, MIDDLETOWN, MD 21769-7407 |
| Document Number | 0144310076 |
| Book / Page | 14431 / 76 |
| Map Reference | MB 13 PG 99 |
| Instrument Date | Dec 3, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 7014 WILLOW TREE DR S, MIDDLETOWN, MD 21769-7407 |
| Document Number | 1443181 |
|---|---|
| Date | Jan 8, 2021 |
| Instrument | 14431/81 |
| Name | TIDEWATER MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
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 | $387,600 (+8.51%) Land $115,900 Building $271,700 | $387,600 (-) Land $115,900 Building $271,700 | |
| 2025 | $4,115.00 (+6.25%) Homeowner's exemption | $357,200 (+20.51%) | $387,600 (+30.77%) Land $115,900 Building $271,700 |
| 2024 | $3,873.00 (+8.76%) | ||
| 2023 | $3,561.00 Homeowner's exemption | $296,400 Land $82,900 Building $213,500 | $296,400 Land $82,900 Building $213,500 |
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 |
| 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 223 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Starlink Satellite | 280 / 30 |
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