7108 Emerald Ct, Middletown, MD 21769 Property Records

Frederick County property record for 7108 Emerald Ct, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	3 ba · 996 sqft · built 1975
Lot Size	0.344 acres (15,000 sqft)
Owner	Individual Name on Record
Last Sale	$289,900 (Mar 2017)
Tax Bill	$3,708 (2023)
Deeds & Mortgages	Jul 2021 Mortgage Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-128156`

Property Details

APN / Parcel Number

Primary APN	`03-128156`
Alternative APNs	`3128156` `128156`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	996 sqft Total Area
1st Floor Area	996 sqft
Basement Area	950 sqft
Finished Basement	950 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Architectural Style	Split Foyer
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	15,000 sqft (0.344 acres)
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	128156
Old Parcel Number	3128156
Street Address	7108 EMERALD CT
City	MIDDLETOWN
State	MD
Zip	21769-7551
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 6 BLK N SECT 1A 0.34 ACRE FOUNTAINDALE SOUTH
Legal Subdivision	FOUNTAINDALE SOUTH
Legal Block	N
Legal Lot Number	6
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 September 25, 2023

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	7108 EMERALD CT, MIDDLETOWN, MD 21769-7551
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP
Apr 10, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Mar 6, 2017	Deed, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2017 · Amount on Record
Deed Sale	Mar 6, 2017 · Amount on Record
Prior Sale	Aug 31, 2016 · Amount on Record
Deed Document Number	0011697164
Deed Book / Page	11697 / 164
Record Updated	Jun 7, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	7108 EMERALD CT, MIDDLETOWN, MD 21769-7551
Transaction Type	Mortgage
Record Updated	Aug 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0151240344
Date	Jul 26, 2021
Book Page	15124/344

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	7108 EMERALD CT, MIDDLETOWN, MD 21769-7551
Document Number	0129370497
Instrument Date	Apr 10, 2019
Transaction Type	Mortgage
Record Updated	May 15, 2019
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7108 EMERALD CT MIDDLETOWN MD 217697551, MIDDLETOWN, MD 21769-7551

Mortgage

Document Number	0129370497
Date	Apr 26, 2019
Book Page	012937/000497

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 2049

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 6, 2017
Property Address	7108 EMERALD CT, MIDDLETOWN, MD 21769-7551
Document Number	0116970164
Book / Page	11697 / 0164
Map Reference	MB10 PG165
Instrument Date	Feb 24, 2017
Instrument	11697-0164
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	OLDE TOWNE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,480.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7108 EMERALD CT, MIDDLETOWN, MD 21769-7551

Mortgage

Document Number	116970169
Date	Mar 6, 2017
Instrument	11697-0169

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

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	$3,708.00	$308,900 Land $78,200 Building $230,700	$308,900 Land $78,200 Building $230,700

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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