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103 Locust St, Frederick, MD 21703 Property Records

Frederick County property record for 103 Locust St, Frederick, MD 21703

Property Summary

Property TypeSingle Family Home
Details1 ba · 1,294 sqft · built 1950
Lot Size0.172 acres (7,500 sqft)
Owner2 Individual Names on File
Last Sale$95,000 (Sep 1989)
Tax Bill$4,050 (2025)
Deeds & MortgagesJul 2026 Mortgage
Sep 2018 Transfer
Flood ZoneZone X (minimal risk)
APN02-061929

Property Details

APN / Parcel Number

Primary APN02-061929
Alternative APNs
  • 2061929
  • 061929

Interior

Full Baths1 Bath
Stories1 Story
Building Area1,294 sqft Living Area
Gross Area1,486 sqft
1st Floor Area1,294 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1950
Effective Year BuiltEffective 1950
Architectural StyleConventional
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area7,500 sqft (0.172 acres)
Lot Dimensions150 ft deep x 50 ft wide
PorchEnclosed Porch
Porch Area192 sqft
Patio Area300 sqft

Utilities, Heating & Cooling

Heating SystemHVAC
SewerMunicipal

Location & Zoning

Account Number061929
Street Address103 LOCUST ST
CityFREDERICK
StateMD
Zip21703-8419
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR6
Legal DescriptionLT 1 BL C 50X150 103 LOCUST ST. FREDERICK
Legal SubdivisionFREDERICK
Legal BlockC
Legal Lot Number1
JurisdictionFREDERICK MD
Township / Civil Division2, FREDERICK
Census Block Group2
Census Block2005
Census Tract750505

Owner

Source: Frederick County assessment roll, APN 02-061929, as of August 4, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address103 LOCUST ST, FREDERICK, MD 21703-8419
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 22, 2026Deed of Trust, Mortgage · Conventional Mortgage
AMERISAVE MORTGAGE CORPORATION
Sep 04, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 29, 1989 · Amount on Record
Deed SaleSep 29, 1989 · Amount on Record
Prior SaleJul 17, 1989 · Amount on Record
Deed Book / Page1593 / 769
Last Transfer DateAug 28, 2018
Transfer Doc0126020255
Record UpdatedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Recording DateJul 22, 2026
Property Address103 LOCUST ST, FREDERICK, MD 21703-8419
Document Number1796000366
Book / Page17967 / 366
Instrument DateJul 13, 2026
Transaction TypeMortgage
Record UpdatedJul 29, 2026
Title Company220 TITLE, 20/20 TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address103 LOCUST ST, FREDERICK, MD 21703-8419

Mortgage

Document Number1796000366,
DateJul 22, 2026
Book Page17967/366
Lender
NameAMERISAVE MORTGAGE CORPORATION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueAug 01, 2041
Interest
Rate TypeFixed Rate
Rate5.84%
Initial TypeFixed Rate
Max Rate-1%

September 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionFREDERICK MD
Recording DateSep 04, 2018
Property Address103 LOCUST ST, FREDERICK, MD 21703-8419
Document Number0126020255
Book / Page012602 / 000255
Instrument DateAug 28, 2018
Transaction TypeTransfer
Record UpdatedSep 13, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address103 LOCUST ST FREDERICK MD 217038419, FREDERICK, MD 21703-8419

Tax Assessment & Valuation

Source: Frederick County assessment roll as of August 4, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
MunicipalityFrederick City
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$4,050.00 (+7.11%) Homeowner's exemption$217,100 (+7.32%) Land $80,600 Building $136,500$217,100 (-) Land $80,600 Building $136,500
2024$3,781.00 (+13.27%)
2023$3,338.00 Homeowner's exemption$202,300$217,100 Land $80,600 Building $136,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), as of November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217505052, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies14 units insured
incl. 12 condo units

Wildfire

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.5% of Maryland
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, 280 locations within half a mile, as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Shenandoah Telecommunications Company
Fiber		8,000 / 8,000
Xfinity
Cable		2,000 / 250
AT&T
Fixed Wireless		100 / 20
T-Mobile USA
Fixed Wireless		100 / 20

May also be available: Verizon.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MD0100015, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemCITY OF FREDERICK
serves 54,000 people
Water SourceSurface water
Last State InspectionJun 2024
Lead1 ppb (2019–2021)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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