7104 Emerald Ct, Middletown, MD 21769 Property Records

Frederick County property record for 7104 Emerald Ct, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,560 sqft · built 1975
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Apr 2011)
Tax Bill	$3,777 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-142523`

Property Details

APN / Parcel Number

Primary APN	`03-142523`
Alternative APNs	`3142523` `142523`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,560 sqft Living Area
Gross Area	2,088 sqft
1st Floor Area	1,040 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Split Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	15,682 sqft (0.36 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	142523
Street Address	7104 EMERALD CT
City	MIDDLETOWN
State	MD
Zip	21769-7551
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LT 8 BL N SEC 1A 0.36 ACRE
Legal Subdivision	FOUNTAINDALE SOUTH SEC 01-A
Legal Block	N
Legal Lot Number	8
Jurisdiction	FREDERICK MD
Township / Civil Division	3, MIDDLETOWN
Census Block Group	2
Census Block	2006
Census Tract	752603

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	7104 EMERALD CT, MIDDLETOWN, MD 21769-7551
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2023	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Oct 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Sep 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage JG WENTWORTH HM LNDG
Jan 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2011 · Amount on Record
Deed Sale	Apr 5, 2011 · Amount on Record
Prior Sale	Apr 5, 2011 · Amount on Record
Deed Document Number	20118306/0413
Deed Book / Page	8306 / 413
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	7104 EMERALD CT, MIDDLETOWN, MD 21769-7551
Transaction Type	Mortgage
Record Updated	May 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0164170458
Date	Apr 27, 2023
Book Page	16417/458

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 5, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	7104 EMERALD CT, MIDDLETOWN, MD 21769-7551
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	SOURCEPOINT FULFILLMENT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0141920114
Date	Oct 22, 2020
Book Page	14192/114

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2040

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	7104 EMERALD CT, MIDDLETOWN, MD 21769-7551
Document Number	0134230210
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Jan 15, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	7104 EMERALD CT MIDDLETOWN MD 217697551, MIDDLETOWN, MD 21769-7551

Mortgage

Document Number	0134230210
Date	Dec 27, 2019
Book Page	013423/000210

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Dec 26, 2044

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	7104 EMERALD CT, MIDDLETOWN, MD 21769-7551
Document Number	0128140371
Instrument Date	Jan 15, 2019
Transaction Type	Mortgage
Record Updated	Feb 6, 2019
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	7104 EMERALD CT MIDDLETOWN MD 217697551, MIDDLETOWN, MD 21769-7551

Mortgage

Document Number	0128140371
Date	Jan 28, 2019
Book Page	012814/000371

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 27, 2049

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

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
2026		$383,800 (+41.41%) Land $110,300 Building $273,500	$383,800 (+41.41%) Land $110,300 Building $273,500
2025	$3,777.00 (+15.58%)
2023	$3,268.00 Homeowner's exemption	$271,400 Land $78,800 Building $192,600	$271,400 Land $78,800 Building $192,600

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 · 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

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	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	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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