103 Charleston Ln, Frederick, MD 21702 Property Records

Frederick County property record for 103 Charleston Ln, Frederick, MD 21702

Property Summary

Property Type	Townhouse
Details	3 ba · 1,550 sqft · built 1989
Lot Size	0.051 acres (2,198 sqft)
Owner	2 Company Names on Record
Last Sale	$215,000 (Oct 2018)
Tax Bill	$5,169 (2025)
Deeds & Mortgages	Nov 2025 Transfer Oct 2025 Transfer + 3 more
Flood Zone	Zone X (moderate risk)
APN	`02-157233`

Property Details

APN / Parcel Number

Primary APN	`02-157233`
Alternative APNs	`2157233` `157233`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,550 sqft Living Area
1st Floor Area	1,200 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,198 sqft (0.051 acres)
Garage Type	Carport
Garage Area	162 sqft
Carport	Carport
Carport Area	162 sqft
Porch	Open Porch
Porch Area	50 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	157233
Street Address	103 CHARLESTON LN
City	FREDERICK
State	MD
Zip	21702-4082
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PND
Legal Description	LOT 218 SEC 2 PLAT 2 2,198 SQ FT WATERFORD
Legal Subdivision	WATERFORD SEC 02 02
Legal Lot Number	218
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2005
Census Tract	750504

Historic Designation

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

Individually Listed	Old National Pike Milestones listed 1975 · 69 contributing resources · NRIS 75002107

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 Company Names on Record
Mailing Address	50 CITIZENS WAY, 502, FREDERICK, MD 21701-6021
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2025	Intrafamily Transfer, Transfer
Oct 9, 2025	Intrafamily Transfer, Transfer
Apr 11, 2024	Deed, Transfer
Feb 4, 2020	Quit Claim Deed, Transfer EMBRACE HM LOANS
Oct 4, 2018	Deed, Transfer · Conventional Mortgage ALLY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2018 · Amount on Record
Deed Sale	Oct 4, 2018 · Amount on Record
Prior Sale	Oct 4, 2001 · Amount on Record
Deed Book / Page	12656 / 90
Last Transfer Date	Jan 30, 2020
Transfer Doc	0135040481
Record Updated	Oct 29, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Nov 19, 2025
Property Address	103 CHARLESTON LN, FREDERICK, MD 21702-4082
Document Number	0176110119
Book / Page	17611 / 119
Map Reference	MB 40 PL 66
Instrument Date	Nov 18, 2025
Transaction Type	Transfer
Record Updated	Dec 5, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 CITIZENS WAY APT 502, 502, FREDERICK, MD 21701-6021

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Oct 9, 2025
Property Address	103 CHARLESTON LN, FREDERICK, MD 21702-4082
Document Number	0175520189
Book / Page	17552 / 189
Map Reference	MB 40 PL 66
Instrument Date	Oct 7, 2025
Transaction Type	Transfer
Record Updated	Oct 28, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 CITIZENS WAY APT 502, 502, FREDERICK, MD 21701-6021

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 11, 2024
Property Address	103 CHARLESTON LN, FREDERICK, MD 21702-4082
Document Number	0168250150
Book / Page	16825 / 150
Map Reference	MB 40 PL 66
Instrument Date	Apr 3, 2024
Transaction Type	Transfer
Record Updated	Apr 25, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	50 CITIZENS WAY APT 502, 502, FREDERICK, MD 21701-6021

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FREDERICK MD
Recording Date	Feb 4, 2020
Property Address	103 CHARLESTON LN, FREDERICK, MD 21702-4082
Document Number	0135040481
Book / Page	013504 / 000481
Instrument Date	Jan 30, 2020
Transaction Type	Transfer
Record Updated	Feb 21, 2020
Title Company	EXCALIBUR TITLE AND ESCROW LLC, EXCALIBUR TITLE & ESCROW LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	1612 RISING RIDGE RD MOUNT AIRY MD 217715384, MOUNT AIRY, MD 21771-5384

Mortgage

Document Number	135040487
Date	Feb 4, 2020
Book Page	013504/000487

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 3, 2050

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 4, 2018
Property Address	103 CHARLESTON LN, FREDERICK, MD 21702-4082
Document Number	0126560090
Book / Page	12656 / 0090
Map Reference	MB40 PL66
Instrument Date	Sep 24, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	EXCALIBUR TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,075.00
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
Relationship	Tenants by the Entirety
Address	1612 RISING RIDGE RD, MOUNT AIRY, MD 21771-5384

Mortgage

Document Number	0001265695
Date	Oct 4, 2018
Instrument	12656/95

Lender

Name	ALLY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2033

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$280,633 (+0.8%)	$285,100 (+2.41%) Land $75,000 Building $210,100
2025	$5,169.00 (+8.78%)	$278,400 (+20.73%) Land $75,000 Building $203,400	$278,400 (-) Land $75,000 Building $203,400
2024	$4,752.00 (+12.26%)
2023	$4,233.00	$230,600	$278,400 Land $75,000 Building $203,400

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	4 (2015–2019)
Most Recent Claim	Jul 2019 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2018 · 2 claims

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	Not rated no burnable land within ember reach

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	CITY OF FREDERICK serves 54,000 people · EPA ID MD0100015
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	1 ppb (2019–2021) 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 392 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 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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