Frederick County property record for 109 Broad St, Middletown, MD 21769
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 4,390 sqft · built 1910 |
| Lot Size | 0.769 acres (33,500 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,080,000 (Jun 2025) |
| Tax Bill | $9,568 (2025) |
| Deeds & Mortgages | Jul 2021 Line of Credit Feb 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-146294 |
| Primary APN | 03-146294 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,390 sqft Living Area |
| 1st Floor Area | 1,756 sqft |
| Basement Area | 700 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 33,500 sqft (0.769 acres) |
| Lot Dimensions | 250 ft deep x 134 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 450 sqft |
| Porch | Open Porch |
| Porch Area | 1,210 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Radiant |
| Sewer | Municipal |
| Account Number | 146294 |
|---|---|
| Street Address | 109 BROAD ST |
| City | MIDDLETOWN |
| State | MD |
| Zip | 21769-7906 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 134 X 250 109 BROAD ST MIDDLETOWN |
| Legal Subdivision | MIDDLETOWN |
| Legal Lot Number | 1 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 3, MIDDLETOWN |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 752601 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Middletown Historic District listed 2003 · 346 contributing resources · NRIS 03001334 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Frederick County records, 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 Record |
|---|---|
| Mailing Address | 109 BROAD ST, MIDDLETOWN, MD 21769-7906 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jul 19, 2021 | Deed of Trust, Mortgage · Line of Credit MIDDLETOWN VALLEY BANK |
| Feb 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 2025 · Amount on Record |
| Deed Sale | Jun 24, 2025 · Amount on Record |
| Prior Sale | Jul 29, 2014 · Amount on Record |
| Deed Book / Page | 17401 / 485 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 109 BROAD ST, MIDDLETOWN, MD 21769-7906 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 109 BROAD ST, MIDDLETOWN, MD 21769-7906 |
| Document Number | 0150980345 |
|---|---|
| Date | Jul 19, 2021 |
| Book Page | 15098/345 |
| Name | MIDDLETOWN VALLEY BANK |
|---|---|
| Type | Bank |
| Address | MIDDLETOWN, MD 21769 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 109 BROAD ST, MIDDLETOWN, MD 21769-7906 |
| Document Number | 0135760377 |
| Instrument Date | Feb 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2020 |
| Title Company | CAPITOL SETTLEMENTS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 109 BROAD ST MIDDLETOWN MD 217697906, MIDDLETOWN, MD 21769-7906 |
| Document Number | 0135760377 |
|---|---|
| Date | Mar 9, 2020 |
| Book Page | 013576/000377 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 8, 2050 |
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Middletown Town |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $807,500 (+37.56%) Land $110,200 Building $697,300 | $807,500 (+37.56%) Land $110,200 Building $697,300 | |
| 2025 | $9,568.00 (+14.88%) | ||
| 2023 | $8,329.00 Homeowner's exemption | $587,000 Land $92,200 Building $494,800 | $587,000 Land $92,200 Building $494,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Policies | 1 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.
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 | TOWN OF MIDDLETOWN serves 5,132 people · EPA ID MD0100018 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| 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 152 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 / 250 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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