102 Prospect St, Middletown, MD 21769 Property Records

Frederick County property record for 102 Prospect St, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,422 sqft · built 1918
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Oct 2016)
Tax Bill	$4,994 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Jun 2017 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-144143`

Property Details

APN / Parcel Number

Primary APN	`03-144143`
Alternative APNs	`3144143` `144143`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,422 sqft Living Area
1st Floor Area	1,306 sqft
Attic	Attic
Attic Area	365 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Sawtooth
Roof Material	Metal
Lot Area	15,000 sqft (0.344 acres)
Lot Dimensions	200 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	190 sqft
Carport	Carport
Carport Area	190 sqft
Porch	Open Porch
Porch Area	507 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Municipal

Location & Zoning

Account Number	144143
Street Address	102 PROSPECT ST
City	MIDDLETOWN
State	MD
Zip	21769-7923
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 75 X 200 102 PROSPECT ST. MIDDLETOWN
Legal Subdivision	MIDDLETOWN
Legal Lot Number	102
Jurisdiction	FREDERICK MD
Township / Civil Division	3, MIDDLETOWN
Census Block Group	4
Census Block	4005
Census Tract	752601

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Middletown Historic District listed 2003 · 346 contributing resources · NRIS 03001334

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	102 PROSPECT ST, MIDDLETOWN, MD 21769-7923
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage SANDY SPRING BANK
Jun 15, 2017	Deed of Trust, Mortgage · Construction Mortgage PRESIDENTIAL BANK FSB
Sep 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage SANDY SPRING BANK
Jan 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage INTERCOASTAL MORTGAGE
Jan 5, 2018	Deed of Trust, Mortgage PRESIDENTIAL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2016 · Amount on Record
Deed Sale	Oct 24, 2016 · Amount on Record
Deed Book / Page	11456 / 331
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	102 PROSPECT ST, MIDDLETOWN, MD 21769-7923
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0133190474
Date	Nov 4, 2019
Book Page	13319/0474

Lender

Name	SANDY SPRING BANK
Type	Bank
Address	OLNEY, MD 20832

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	102 PROSPECT ST, MIDDLETOWN, MD 21769-7923
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0118730346
Date	Jun 15, 2017
Book Page	11873/0346
Instrument	11873-0346

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank
Address	BETHESDA, MD 20814

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

Interest

Rate Type	Fixed Rate
Rate	4.75%
Type Change Date	Jun 1, 2024
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	9.75%
Index	1-Year LIBOR
Max Rate	9.75%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	102 PROSPECT ST, MIDDLETOWN, MD 21769-7923
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 PROSPECT ST, MIDDLETOWN, MD 21769-7923

Mortgage

Document Number	0140670185
Date	Sep 15, 2020
Book Page	14067/185

Lender

Name	SANDY SPRING BANK
Type	Bank
Address	OLNEY, MD 20832

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	102 PROSPECT ST, MIDDLETOWN, MD 21769-7923
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0144140262
Date	Jan 4, 2021
Book Page	14414/262

Lender

Name	INTERCOASTAL MORTGAGE
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	102 PROSPECT ST, MIDDLETOWN, MD 21769-7923
Document Number	0122680018
Book / Page	012268 / 000018
Instrument Date	Jan 5, 2018
Transaction Type	Mortgage
Record Updated	Feb 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 PROSPECT ST MIDDLETOWN MD 217697923, MIDDLETOWN, MD 21769-7923

Mortgage

Document Number	0122680018
Date	Feb 6, 2018
Book Page	012268/000018

Lender

Name	PRESIDENTIAL BK
Type	Bank
Address	ELLICOTT CITY, MD 21043

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 5, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Municipality	Middletown Town
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$431,200 (+40.5%) Land $90,800 Building $340,400	$431,200 (+40.5%) Land $90,800 Building $340,400
2025	$4,994.00 (+14.73%)
2023	$4,353.00 Homeowner's exemption	$306,900 Land $75,700 Building $231,200	$306,900 Land $75,700 Building $231,200

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	1 in force

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	TOWN OF MIDDLETOWN serves 5,132 people · EPA ID MD0100018
Water Source	Groundwater
Last State Inspection	Jan 2025

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 281 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: EarthLink Business, MN FWA Buyer.

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