106 Prospect St, Middletown, MD 21769 Property Records

Frederick County property record for 106 Prospect St, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,734 sqft · built 1920
Lot Size	0.413 acres (18,000 sqft)
Owner	2 Individual Names on File
Last Sale	$651,000 (Aug 2026)
Tax Bill	$5,477 (2025)
Deeds & Mortgages	Aug 2026 Sale May 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-148238`

Property Details

APN / Parcel Number

Primary APN	`03-148238`
Alternative APNs	`3148238` `148238`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,734 sqft Living Area
1st Floor Area	894 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	18,000 sqft (0.413 acres)
Lot Dimensions	200 ft deep x 90 ft wide
Garage Area	270 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	348 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Municipal

Location & Zoning

Account Number	148238
Street Address	106 PROSPECT ST
City	MIDDLETOWN
State	MD
Zip	21769-7923
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 90 X 200 106 PROSPECT ST. MIDDLETOWN
Legal Subdivision	MIDDLETOWN
Legal Lot Number	106
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

106 Prospect St is owned and occupied by two individuals who bought it in August 2026.

Source: Frederick County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	106 PROSPECT ST, MIDDLETOWN, MD 21769-7923
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2026	Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE
May 5, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Feb 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage DIRECT MORTGAGE LOANS LLC
Apr 24, 2018	Deed, Transfer · Conventional Mortgage DIRECT MORTGAGE LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2026 · Amount on File
Deed Sale	Aug 17, 2026 · Amount on File
Prior Sale	Apr 24, 2018 · Amount on File
Deed Document Number	2026
Deed Book / Page	18008 / 314
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 17, 2026
Property Address	106 PROSPECT ST, MIDDLETOWN, MD 21769-7923
Document Number	1800000314
Book / Page	18008 / 314
Instrument Date	Aug 14, 2026
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Tax	$657,510.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	106 PROSPECT ST, MIDDLETOWN, MD 21769-7923

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Recording Date	May 5, 2026
Property Address	106 PROSPECT ST, MIDDLETOWN, MD 21769-7923
Document Number	1784000336
Book / Page	17848 / 336
Instrument Date	Apr 16, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 PROSPECT ST, MIDDLETOWN, MD 21769-7923

Mortgage

Document Number	1784000336,
Date	May 5, 2026
Book Page	17848/336

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 12, 2056

Interest

Rate	6.22%
Max Rate	-1%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	106 PROSPECT ST, MIDDLETOWN, MD 21769-7923
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	PASSPORT TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0135480089
Date	Feb 26, 2020
Book Page	13548/89

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company
Address	HUNT VALLEY, MD 21031

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 24, 2018
Property Address	106 PROSPECT ST, MIDDLETOWN, MD 21769-7923
Document Number	0123780172
Book / Page	12378 / 0172
Map Reference	MB STH FO23
Instrument Date	Mar 15, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	CERTIFIED TITLE CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$725.00
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	106 PROSPECT ST, MIDDLETOWN, MD 21769-7923

Mortgage

Document Number	0012378180
Date	Apr 24, 2018
Instrument	12378/180

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2048

Interest

Index	1-Month LIBOR

Tax Assessment & Valuation

The 2025 property tax bill for 106 Prospect St was $5,477, up 12.8% from the year before.

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		$409,800 (+10.57%) Land $94,000 Building $315,800	$409,800 (-) Land $94,000 Building $315,800
2025	$5,477.00 (+12.81%)	$370,633	$409,800 Land $94,000 Building $315,800
2024	$4,855.00 (+15.84%)
2023	$4,191.00	$292,300 Land $78,400 Building $213,900	$292,300 Land $78,400 Building $213,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 106 Prospect St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 106 Prospect St is low, with a 0.01% annual chance of 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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