Frederick County property record for 107 Water St, Frederick, MD 21701
| Property Type | Townhouse |
|---|---|
| Details | 1 ba · 1,008 sqft · built 1873 |
| Lot Size | 0.024 acres (1,036 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $283,500 (Aug 2021) |
| Tax Bill | $4,519 (2024) |
| Deeds & Mortgages | Aug 2021 Sale Jul 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-119250 |
| Primary APN | 02-119250 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,008 sqft Living Area |
| 1st Floor Area | 504 sqft |
| Year Built | Built 1873 |
|---|---|
| Effective Year Built | Effective 1873 |
| Architectural Style | Townhouse |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Sawtooth |
| Roof Material | Metal |
| Lot Area | 1,036 sqft (0.024 acres) |
| Lot Dimensions | 74 ft deep x 14 ft wide |
| Porch | Open Porch |
| Porch Area | 252 sqft |
| Heating System | HVAC |
|---|---|
| Sewer | Municipal |
| Account Number | 119250 |
|---|---|
| Street Address | 107 WATER ST |
| City | FREDERICK |
| State | MD |
| Zip | 21701-5621 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | DR |
| Legal Description | LT 14 X 74 107 WATER ST. FREDERICK |
| Legal Subdivision | FREDERICK |
| Legal Lot Number | 107 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 772200 |
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 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
107 Water St, a townhouse, is owned by two individuals who bought it in August 2021.
Source: Frederick County records, as of August 4, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 613 WILSON PL, FREDERICK, MD 21702-4167 |
| 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.
| Date | Document |
|---|---|
| Aug 24, 2021 | Deed, Transfer |
| Jul 22, 2020 | Deed, Transfer · Conventional Mortgage BAY CAPITAL MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 24, 2021 · Amount on File |
| Deed Sale | Aug 24, 2021 · Amount on File |
| Prior Sale | Jul 22, 2020 · Amount on File |
| Deed Book / Page | 15221 / 28 |
| Prior Transfer Date | Jan 7, 2015 |
| Prior Transfer Doc | 0103570079 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Aug 24, 2021 |
| Property Address | 107 WATER ST, FREDERICK, MD 21701-5621 |
| Document Number | 0152210028 |
| Book / Page | 15221 / 28 |
| Instrument Date | Aug 6, 2021 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $1,417.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 613 WILSON PL, FREDERICK, MD 21702-4167 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jul 22, 2020 |
| Property Address | 107 WATER ST, FREDERICK, MD 21701-5621 |
| Document Number | 0139140152 |
| Book / Page | 13914 / 152 |
| Instrument Date | Jun 26, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $467.74 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 107 WATER ST, FREDERICK, MD 21701-5621 |
| Document Number | 13914159 |
|---|---|
| Date | Jul 22, 2020 |
| Instrument | 13914/159 |
| Name | BAY CAPITAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2050 |
Source: Frederick County assessment roll, as of August 4, 2025
| 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 |
|---|---|---|---|
| 2025 | $273,600 Land $115,000 Building $158,600 | $273,600 Land $115,000 Building $158,600 | |
| 2024 | $4,519.00 (+17.04%) | ||
| 2023 | $3,861.00 | $209,933 | $273,600 Land $115,000 Building $158,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 107 Water St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1982.
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 | 6 in force |
| Nearby Flood Claims | 8 (1982–1996) |
| Claims Outside the SFHA | 1 of 8 |
| Most Recent Claim | Jan 1996 · Severe Storms And Flooding |
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.
The area around 107 Water St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 585 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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