Frederick County property record for 108 Water St, Frederick, MD 21701
| Property Type | Townhouse |
|---|---|
| Details | 1 ba · 739 sqft · built 1879 |
| Lot Size | 0.035 acres (1,527 sqft) |
| Owner | Individual Name on File |
| Last Sale | $260,000 (May 2026) |
| Tax Bill | $3,653 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Dec 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-083892 |
| Primary APN | 02-083892 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 739 sqft Living Area |
| 1st Floor Area | 439 sqft |
| Year Built | Built 1879 |
|---|---|
| Effective Year Built | Effective 1879 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Type | Sawtooth |
| Roof Material | Metal |
| Lot Area | 1,527 sqft (0.035 acres) |
| Lot Dimensions | 74 ft deep x 2 ft wide |
| Porch | Open Porch |
| Porch Area | 52 sqft |
| Heating System | HVAC |
|---|---|
| Sewer | Municipal |
| Account Number | 083892 |
|---|---|
| Street Address | 108 WATER ST |
| City | FREDERICK |
| State | MD |
| Zip | 21701-5622 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | DR |
| Legal Description | LT 20 1/2 X 74 1/2 108 WATER ST. FREDERICK |
| Legal Subdivision | FREDERICK |
| Legal Lot Number | 20,10 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 772200 |
Source: Frederick County records · APN 02-083892
Assessment roll updated August 4, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 108 WATER ST, FREDERICK, MD 21701-5622 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| May 13, 2026 | Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOC L.P |
| Dec 18, 2023 | Deed, Transfer · Conventional Mortgage DIRECT MORTGAGE LOANS LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 13, 2026 · Amount on Record |
| Deed Sale | May 13, 2026 · Amount on Record |
| Prior Sale | Dec 18, 2023 · Amount on Record |
| Deed Book / Page | 17860 / 259 |
| Prior Transfer Date | Jun 15, 2011 |
| Prior Transfer Doc | 0084200046 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 13, 2026 |
| Property Address | 108 WATER ST, FREDERICK, MD 21701-5622 |
| Document Number | 1786000259 |
| Book / Page | 17860 / 259 |
| Instrument Date | May 08, 2026 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Title Company | COMMUNITY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $262,600.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 108 WATER ST, FREDERICK, MD 21701-5622 |
| Document Number | 1786000266, |
|---|---|
| Date | May 13, 2026 |
| Book Page | 17860/266 |
| Name | PROVIDENT FUNDING ASSOC L.P |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Dec 18, 2023 |
| Property Address | 108 WATER ST, FREDERICK, MD 21701-5622 |
| Document Number | 0167040191 |
| Book / Page | 16704 / 191 |
| Instrument Date | Dec 13, 2023 |
| Transaction Type | Transfer |
| Record Updated | Dec 29, 2023 |
| Title Company | COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $575.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 108 WATER ST, FREDERICK, MD 21701-5622 |
| Document Number | 0016704197 |
|---|---|
| Date | Dec 18, 2023 |
| Instrument | 16704/197 |
| Name | DIRECT MORTGAGE LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2054 |
Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,653.00 (+12.57%) | $195,300 (+30.81%) Land $115,000 Building $80,300 | $195,300 (-) Land $115,000 Building $80,300 |
| 2024 | $3,245.00 (+47.23%) | ||
| 2023 | $2,204.00 Homeowner's exemption | $149,300 | $195,300 Land $115,000 Building $80,300 |
Source: FEMA National Flood Hazard Layer as of November 6, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Shenandoah Telecommunications Company Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 2,000 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 585 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF FREDERICK serves 54,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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