7110 Emerald Ct, Middletown, MD 21769 Property Records

Frederick County property record for 7110 Emerald Ct, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,880 sqft · built 1976
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$72,000 (Mar 1985)
Tax Bill	$5,431 (2025)
Deeds & Mortgages	May 2021 Line of Credit Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-130037`

Property Details

APN / Parcel Number

Primary APN	`03-130037`
Alternative APNs	`3130037` `130037`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	3,524 sqft Living Area
Gross Area	4,168 sqft
1st Floor Area	2,360 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Split Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	15,000 sqft (0.344 acres)
Garage Type	Attached
Garage Area	644 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	160 sqft
Deck Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	130037
Street Address	7110 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 5 BL N SEC 1A 0.34 ACRE EMERALD COURT
Legal Subdivision	EMERALD COURT
Legal Block	N
Legal Lot Number	5
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	2 Individual Names on Record
Mailing Address	7110 EMERALD CT, MIDDLETOWN, MD 21769-7551
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
May 10, 2021	Deed of Trust, Mortgage · Line of Credit MIDDLETOWN VALLEY BANK
Aug 2, 2019	Deed of Trust, Mortgage · VA Mortgage NFM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 1985 · Amount on Record
Deed Sale	Mar 18, 1985 · Amount on Record
Prior Sale	Mar 14, 1983 · Amount on Record
Deed Book / Page	1274 / 624
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	7110 EMERALD CT, MIDDLETOWN, MD 21769-7551
Transaction Type	Mortgage
Record Updated	Jun 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7110 EMERALD CT, MIDDLETOWN, MD 21769-7551

Mortgage

Document Number	0148620328
Date	May 10, 2021
Book Page	14862/328

Lender

Name	MIDDLETOWN VALLEY BANK
Type	Bank
Address	MIDDLETOWN, MD 21769

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	7110 EMERALD CT, MIDDLETOWN, MD 21769-7551
Document Number	0131490485
Instrument Date	Aug 2, 2019
Transaction Type	Mortgage
Record Updated	Aug 28, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	7110 EMERALD CT MIDDLETOWN MD 217697551, MIDDLETOWN, MD 21769-7551

Mortgage

Document Number	0131490485
Date	Aug 16, 2019
Book Page	013149/000485

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 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		$556,100 (+41.47%) Land $109,400 Building $446,700	$556,100 (+41.47%) Land $109,400 Building $446,700
2025	$5,431.00 (+15.68%)
2023	$4,695.00 Homeowner's exemption	$393,100 Land $78,200 Building $314,900	$393,100 Land $78,200 Building $314,900

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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