104 Mill Pond Rd, Frederick, MD 21701 Property Records

Frederick County property record for 104 Mill Pond Rd, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	2.5 ba · 2,408 sqft · built 2014
Lot Size	0.026 acres (1,152 sqft)
Owner	2 Individual Names on Record
Last Sale	$313,500 (Dec 2021)
Tax Bill	$6,265 (2024)
Deeds & Mortgages	Nov 2023 Mortgage Jan 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-588614`

Property Details

APN / Parcel Number

Primary APN	`02-588614`
Alternative APN	`588614`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,408 sqft Living Area
Gross Area	2,848 sqft
1st Floor Area	808 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	1,152 sqft (0.026 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	76 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	588614
Street Address	104 MILL POND RD
City	FREDERICK
State	MD
Zip	21701-1914
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 6 PHASE 1 PLAT 1 1,152 SQ FT MARKET SQUARE AT FREDERI
Legal Subdivision	MARKET SQUARE
Legal Phase	1
Legal Lot Number	6
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	3
Census Block	3006
Census Tract	750802

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 4, 2025

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	104 MILL POND RD, FREDERICK, MD 21701-1914
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2023	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jan 30, 2018	Deed of Trust, Mortgage · Commercial Mortgage OLD LINE BANK
Dec 3, 2021	Deed, Transfer · FHA Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2021 · Amount on Record
Deed Sale	Dec 3, 2021 · Amount on Record
Prior Sale	Jun 8, 2016 · Amount on Record
Deed Book / Page	15539 / 14
Prior Transfer Date	Mar 25, 2016
Prior Transfer Doc	0111820111
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	104 MILL POND RD, FREDERICK, MD 21701-1914
Transaction Type	Mortgage
Record Updated	Dec 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 MILL POND RD, FREDERICK, MD 21701-1914

Mortgage

Document Number	0166730240
Date	Nov 17, 2023
Book Page	16673/240

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Dec 1, 2051

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	104 MILL POND RD, FREDERICK, MD 21701-1914
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	CONSUMER REAL ESTATE TITLE I

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0122560053
Date	Jan 30, 2018
Book Page	12256/0053
Instrument	12256-0053

Lender

Name	OLD LINE BANK
Type	Bank
Address	BOWIE, MD 20716

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 3, 2021
Property Address	104 MILL POND RD, FREDERICK, MD 21701-1914
Document Number	0155390014
Book / Page	15539 / 14
Map Reference	MB 91 PG 21-23
Instrument Date	Nov 19, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	EXCALIBUR TITLE AGENCY LLC, EXCALIBUR T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,567.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	104 MILL POND RD, FREDERICK, MD 21701-1914

Mortgage

Document Number	0001553920
Date	Dec 3, 2021
Instrument	15539/20

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

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
2025		$352,800 (+9.82%) Land $75,000 Building $277,800	$352,800 (-) Land $75,000 Building $277,800
2024	$6,265.00 (+6.86%)
2023	$5,863.00	$321,267	$352,800 Land $75,000 Building $277,800

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 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	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 268 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Glo Fiber.

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