Frederick County property record for 107 Apple Creek Rd, Frederick, MD 21702
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,532 sqft · built 1977 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (Jul 2015) |
| Tax Bill | $5,600 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage May 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-052431 |
| Primary APN | 02-052431 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,532 sqft Living Area |
| 1st Floor Area | 1,004 sqft |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Split Level |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Deck Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 052431 |
|---|---|
| Street Address | 107 APPLE CREEK RD |
| City | FREDERICK |
| State | MD |
| Zip | 21702-3725 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R8 |
| Legal Description | LT 29 SECT 2 0.14 AC 107 APPLE CREEK ROAD STONEGATE FARMS |
| Legal Subdivision | APPLE CREEK |
| Legal Lot Number | 29 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 750507 |
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.
107 Apple Creek Rd is owned and occupied by an individual who acquired it in April 2021.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 107 APPLE CREEK RD, FREDERICK, MD 21702-3725 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC |
| May 10, 2021 | Intrafamily Transfer, Transfer EQUITY NATIONAL TITLE LLC, EQUITY NATIONAL TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 10, 2015 · Amount on File |
| Deed Sale | Jul 10, 2015 · Amount on File |
| Deed Book / Page | 10643 / 179 |
| Last Transfer Date | Apr 26, 2021 |
| Transfer Doc | 0148690234 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 107 APPLE CREEK RD, FREDERICK, MD 21702-3725 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2021 |
| Title Company | EQUITY NATIONAL TITLE LLC, EQUITY NATL TTL & CLOSING SV |
| Name | Verified Name |
|---|
| Document Number | 0149680443 |
|---|---|
| Date | Jun 7, 2021 |
| Book Page | 14968/443 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 10, 2021 |
| Property Address | 107 APPLE CREEK RD, FREDERICK, MD 21702-3725 |
| Document Number | 0148690234 |
| Book / Page | 14869 / 234 |
| Map Reference | MB 12 PG 133 |
| Instrument Date | Apr 26, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2021 |
| Title Company | EQUITY NATIONAL TITLE LLC, EQUITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 107 APPLE CREEK RD, FREDERICK, MD 21702-3725 |
The 2025 property tax bill for 107 Apple Creek Rd was $5,600, up 8.1% from the year before.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $312,633 (+3.52%) | $333,900 (+10.56%) Land $110,100 Building $223,800 | |
| 2025 | $5,600.00 (+8.15%) | $302,000 Land $110,100 Building $191,900 | $302,000 Land $110,100 Building $191,900 |
| 2024 | $5,178.00 (+11.47%) | ||
| 2023 | $4,645.00 | $253,533 | $302,000 Land $110,100 Building $191,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 107 Apple Creek Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 | 3 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 risk around 107 Apple Creek Rd 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 263 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 |
| Verizon Fixed Wireless | 300 / 20 |
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