Frederick County property record for 109 Charleston Ln, Frederick, MD 21702
| Property Type | Townhouse |
|---|---|
| Details | 3 ba · 1,550 sqft · built 1989 |
| Lot Size | 0.051 acres (2,198 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $302,000 (Jul 2024) |
| Tax Bill | $5,173 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 02-157276 |
| Primary APN | 02-157276 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,550 sqft Living Area |
| 1st Floor Area | 1,200 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Townhouse |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 2,198 sqft (0.051 acres) |
| Garage Type | Carport |
| Garage Area | 162 sqft |
| Carport | Carport |
| Carport Area | 162 sqft |
| Porch | Open Porch |
| Porch Area | 50 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 157276 |
|---|---|
| Street Address | 109 CHARLESTON LN |
| City | FREDERICK |
| State | MD |
| Zip | 21702-4082 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PND |
| Legal Description | LOT 221 SEC 2 PLAT 2 2,198 SQ FT WATERFORD |
| Legal Subdivision | WATERFORD |
| Legal Lot Number | 221 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 750504 |
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.
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 CHARLESTON LN, FREDERICK, MD 21702-4082 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 26, 2024 · Amount on Record |
| Deed Sale | Jul 26, 2024 · Amount on Record |
| Prior Sale | Aug 22, 2008 · Amount on Record |
| Deed Book / Page | 16958 / 156 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 109 CHARLESTON LN, FREDERICK, MD 21702-4082 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | EXCALIBUR T&E LLC |
| Name | Verified Name |
|---|
| Document Number | 0151440490 |
|---|---|
| Date | Aug 2, 2021 |
| Book Page | 15144/490 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2051 |
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 | $283,800 (+1.87%) | $294,200 (+5.6%) Land $75,000 Building $219,200 | |
| 2025 | $5,173.00 (+32.4%) | $278,600 (+20.75%) Land $75,000 Building $203,600 | $278,600 (-) Land $75,000 Building $203,600 |
| 2023 | $3,907.00 Homeowner's exemption | $230,733 | $278,600 Land $75,000 Building $203,600 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 | 4 in force |
| Nearby Flood Claims | 4 (2015–2019) |
| Most Recent Claim | Jul 2019 · rainfall accumulation |
| Claims by Event |
|
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 | 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 392 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 |
May also be available: T-Mobile, Verizon.
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