Frederick County property record for 109 Apple Creek Rd, Frederick, MD 21702
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,680 sqft · built 1977 |
| Lot Size | 0.27 acres (11,763 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $184,000 (Sep 2013) |
| Tax Bill | $5,042 (2025) |
| Deeds & Mortgages | Mar 2024 Line of Credit Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-052458 |
| Primary APN | 02-052458 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,680 sqft Living Area |
| 1st Floor Area | 1,104 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Split Level |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 11,763 sqft (0.27 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 052458 |
|---|---|
| Street Address | 109 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 30 SECT 2 0.27 AC 109 APPLE CREEK ROAD STONEGATE FARMS |
| Legal Subdivision | APPLE CREEK |
| Legal Lot Number | 30 |
| 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.
109 Apple Creek Rd is owned and occupied by two individuals who bought it in September 2013.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 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 |
|---|---|
| Mar 20, 2024 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Apr 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ALTERRA HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 6, 2013 · Amount on File |
| Deed Sale | Sep 6, 2013 · Amount on File |
| Prior Sale | Oct 5, 1992 · Amount on File |
| Deed Book / Page | 9752 / 163 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 109 APPLE CREEK RD, FREDERICK, MD 21702-3725 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2024 |
| Name | Verified Name |
|---|---|
| Address | 109 APPLE CREEK RD, FREDERICK, MD 21702-3725 |
| Document Number | 0167990176 |
|---|---|
| Date | Mar 20, 2024 |
| Book Page | 16799/176 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Mar 12, 2064 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 109 APPLE CREEK RD, FREDERICK, MD 21702-3725 |
| Document Number | 0137180086 |
| Instrument Date | Apr 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 109 APPLE CREEK RD FREDERICK MD 217023725, FREDERICK, MD 21702-3725 |
| Document Number | 0137180086 |
|---|---|
| Date | May 7, 2020 |
| Book Page | 013718/000086 |
| Name | ALTERRA HM LNS |
|---|---|
| Address | LAS VEGAS, NV 89145 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 6, 2050 |
The 2025 property tax bill for 109 Apple Creek Rd was $5,042 with a homeowner's exemption.
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 | $332,700 | $355,100 Land $117,200 Building $237,900 | |
| 2025 | $5,042.00 | ||
| 2023 | $4,490.00 Homeowner's exemption | $270,700 | $321,500 Land $117,200 Building $204,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 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 109 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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