Frederick County property record for 109 W 3rd St, Frederick, MD 21701 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,705 sqft · built 1840 |
| Lot Size | 0.188 acres (8,191 sqft) |
| Owner | Individual Name on File |
| Last Sale | $720,000 (May 2005) |
| Tax Bill | $12,402 (2024) |
| Deeds & Mortgages | Jan 2021 Mortgage Nov 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-063107 |
| Primary APN | 02-063107 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,705 sqft Living Area |
| 1st Floor Area | 1,475 sqft |
| Attic | Attic |
| Attic Area | 220 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1840 |
|---|---|
| Effective Year Built | Effective 1840 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Sawtooth |
| Roof Material | Metal |
| Lot Area | 8,191 sqft (0.188 acres) |
| Lot Dimensions | 206 ft deep x 2 ft wide |
| Porch | Open Porch |
| Porch Area | 120 sqft |
| Patio Area | 468 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Radiant |
| Sewer | Municipal |
| Account Number | 063107 |
|---|---|
| Street Address | 109 W 3RD ST |
| City | FREDERICK |
| State | MD |
| Zip | 21701-6108 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 8,191 SQ. FT. 109 E. 3RD ST. FREDERICK |
| Legal Subdivision | FREDERICK |
| Legal Lot Number | 8 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 750200 |
Source: Frederick County records · APN 02-063107
Assessment roll updated August 4, 2025 · Last verified April 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 | 109 E 3RD ST, FREDERICK, MD 21701-5312 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 07, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Nov 16, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 05, 2005 · Amount on Record |
| Deed Sale | May 05, 2005 · Amount on Record |
| Prior Sale | Dec 09, 2003 · Amount on Record |
| Deed Document Number | 200553168 |
| Deed Book / Page | 5294 / 144 |
| Last Transfer Date | Sep 30, 2021 |
| Transfer Doc | 0154980001 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 109 E 3RD ST, FREDERICK, MD 21701-5312 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0144280433 |
|---|---|
| Date | Jan 07, 2021 |
| Book Page | 14428/433 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | SEVERNA PARK, MD 21146 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Nov 16, 2021 |
| Property Address | 109 E 3RD ST, FREDERICK, MD 21701-5312 |
| Document Number | 0154980001 |
| Book / Page | 15498 / 1 |
| Instrument Date | Sep 30, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 109 E 3RD ST, FREDERICK, MD 21701-5312 |
Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified April 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 | $786,000 (+17.99%) Land $165,400 Building $620,600 | $786,000 (-) Land $165,400 Building $620,600 | |
| 2024 | $12,402.00 (+7.26%) | ||
| 2023 | $11,563.00 Homeowner's exemption | $666,133 | $786,000 Land $165,400 Building $620,600 |
Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217502002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 2 (1996) |
| Most Recent Claim | Jun 1996, rainfall accumulation |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond 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 · August 1, 2026 release · Last verified October 2026
| Historic District | Within the Frederick Historic District (Boundary Increase) listed 1988 · 2,435 contributing resources · NRIS 88000713 |
|---|---|
| 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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 1,251 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Shenandoah Telecommunications Company | Fiber | 8,000 / 8,000 |
| Xfinity | Cable | 2,000 / 2,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
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