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109 Water St, Frederick, MD 21701 Property Records

Frederick County property record for 109 Water St, Frederick, MD 21701

Property Summary

Property TypeTownhouse
Details1 ba · 1,148 sqft · built 1873
Lot Size0.027 acres (1,178 sqft)
OwnerCompany Name on File
Last Sale$59,900 (Aug 2003)
Tax Bill$5,020 (2025)
Deeds & MortgagesNov 2018 Transfer
Flood ZoneZone X (minimal risk)
APN02-116804

Property Details

APN / Parcel Number

Primary APN02-116804
Alternative APNs
  • 2116804
  • 116804

Interior

Full Baths1 Bath
Stories2 Stories
Building Area1,148 sqft Living Area
Gross Area1,226 sqft
1st Floor Area574 sqft

Exterior

Year BuiltBuilt 1873
Effective Year BuiltEffective 1873
Architectural StyleTownhouse
Exterior MaterialBrick
Construction TypeBrick
Roof TypeSawtooth
Roof MaterialMetal
Lot Area1,178 sqft (0.027 acres)
Lot Dimensions76 ft deep x 2 ft wide
PorchEnclosed Porch
Porch Area162 sqft

Utilities, Heating & Cooling

Heating FuelElectric
SewerMunicipal

Location & Zoning

Account Number116804
Street Address109 WATER ST
CityFREDERICK
StateMD
Zip21701-5621
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodeDR
Legal DescriptionLT 15 1/2 X 76 109 WATER ST. FREDERICK
Legal SubdivisionFREDERICK
Legal Lot Number15,10
JurisdictionFREDERICK MD
Township / Civil Division2, FREDERICK
Census Block Group2
Census Block2023
Census Tract772200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin 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.

Owner

109 Water St, a townhouse, is owned by a company that acquired it in November 2018.

Source: Frederick County records, as of August 7, 2026

Owner of RecordCompany Name on File
Mailing Address613 BUSHYTAIL DR, FREDERICK, MD 21703-2232
Owner TypeCompany
VestingCompany

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 20, 2003 · Amount on File
Deed SaleAug 20, 2003 · Amount on File
Deed Document Number20035881
Deed Book / Page4029 / 31
Last Transfer DateNov 19, 2018
Transfer Doc0127290236
Record UpdatedSep 20, 2026

November 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionFREDERICK MD
Recording DateNov 29, 2018
Property Address109 WATER ST, FREDERICK, MD 21701-5621
Document Number0127290236
Book / Page012729 / 000236
Instrument DateNov 19, 2018
Transaction TypeTransfer
Record UpdatedDec 12, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address613 BUSHYTAIL DR FREDERICK MD 217032232, FREDERICK, MD 21703-2232

Tax Assessment & Valuation

The 2025 property tax bill for 109 Water St was $5,020, up 14% from the year before.

Source: Frederick County assessment roll, as of August 7, 2026

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
MunicipalityFrederick City
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$293,700 (+8.7%)$340,700 (+26.09%) Land $165,000 Building $175,700
2025$5,020.00 (+14.01%)$270,200 Land $115,000 Building $155,200$270,200 Land $115,000 Building $155,200
2024$4,403.00 (+215.4%)
2023$1,396.00$77,667$115,000 Land $115,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 109 Water St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective November 6, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies6 in force
Nearby Flood Claims8 (1982–1996)
Claims Outside the SFHA1 of 8
Most Recent ClaimJan 1996 · Severe Storms And Flooding

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

The area around 109 Water St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemCITY OF FREDERICK
serves 54,000 people · EPA ID MD0100015
Water SourceSurface water
Last State InspectionJun 2024
Lead1 ppb (2019–2021)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 585 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Glo Fiber
Fiber		8,000 / 8,000
Xfinity
Cable		2,000 / 2,000
AT&T
Fixed Wireless		100 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: Verizon.

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