106 Upper College Ter, Frederick, MD 21701 Property Records

Frederick County property record for 106 Upper College Ter, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,726 sqft · built 1950
Lot Size	0.184 acres (8,008 sqft)
Owner	2 Individual Names on File
Last Sale	$640,000 (Apr 2005)
Tax Bill	$11,040 (2025)
Deeds & Mortgages	Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-038889`

Property Details

APN / Parcel Number

Primary APN	`02-038889`
Alternative APNs	`2038889` `038889`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,726 sqft Living Area
1st Floor Area	988 sqft
Basement Area	750 sqft
Finished Basement	750 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	8,008 sqft (0.184 acres)
Lot Dimensions	143 ft deep x 56 ft wide
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	154 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	038889
Street Address	106 UPPER COLLEGE TER
City	FREDERICK
State	MD
Zip	21701-4840
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	L 31 56X143 106 U COLL TERR FREDK
Legal Subdivision	FREDK
Legal Lot Number	31
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2040
Census Tract	750600

Historic Designation

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

Historic District	Within the Frederick Historic District (Boundary Increase) listed 1988 · 2,435 contributing resources · NRIS 88000713
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 assessment roll, 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 File
Mailing Address	106 UPPER COLLEGE TER, FREDERICK, MD 21701-4840
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 4, 2005 · Amount on Record
Deed Sale	Apr 4, 2005 · Amount on Record
Prior Sale	Feb 18, 2004
Deed Document Number	200552258
Deed Book / Page	5229 / 179
Transfer Doc	0044130686
Record Updated	Sep 20, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	106 UPPER COLLEGE TER, FREDERICK, MD 21701-4840
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0127840301
Date	Jan 7, 2019
Book Page	12784/0301

Lender

Name	WOODSBORO BANK
Type	Bank
Address	WOODSBORO, MD 21798

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$689,767 (+6.81%)	$777,700 (+20.42%) Land $335,000 Building $442,700
2025	$11,040.00 (+4.68%) Homeowner's exemption	$645,800 (+15.51%) Land $248,000 Building $397,800	$645,800 (-) Land $248,000 Building $397,800
2024	$10,546.00 (+7.16%)
2023	$9,841.00 Homeowner's exemption	$559,067	$645,800 Land $248,000 Building $397,800

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
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	6 in force
Nearby Flood Claims	5 (1998–2021)
Claims Outside the SFHA	4 of 5
Most Recent Claim	May 2021 · 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

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

Provider	Max Down / Up (Mbps)
Shenandoah Telecommunications Company Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20