1123 Holden Rd, Frederick, MD 21701 Property Records

Frederick County property record for 1123 Holden Rd, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,510 sqft · built 2018
Lot Size	0.046 acres (2,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$625,000 (May 2022)
Tax Bill	$10,511 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`02-590770`

Property Details

APN / Parcel Number

Primary APN	`02-590770`
Alternative APN	`590770`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,510 sqft Living Area
1st Floor Area	950 sqft
Basement Area	700 sqft
Finished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,000 sqft (0.046 acres)
View / Lot	Waterfront
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	230 sqft
Deck Area	108 sqft
Patio Area	280 sqft
Balcony Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	590770
Street Address	1123 HOLDEN RD
City	FREDERICK
State	MD
Zip	21701-3429
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 35 PLAT 3 SECTIO 2,000 SQ FT EASTCHURCH
Legal Subdivision	NICODEMUS PND 3 SEC 1
Legal Lot Number	35
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1035
Census Tract	750804

Historic Designation

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.

Owner

Source: Frederick County records, as of July 14, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1123 HOLDEN RD, FREDERICK, MD 21701-3429
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 26, 2022	Deed, Transfer · Conventional Mortgage SANDY SPRING BANK
Apr 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage PRESIDENTIAL BANK FSB
Sep 21, 2017	Deed, Subdivision Related Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2022 · Amount on Record
Deed Sale	May 26, 2022 · Amount on Record
Prior Sale	Sep 21, 2017 · Amount on Record
Deed Book / Page	15946 / 129
Record Updated	Sep 20, 2026

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 26, 2022
Property Address	1123 HOLDEN RD, FREDERICK, MD 21701-3429
Document Number	0159460129
Book / Page	15946 / 129
Map Reference	MB 94 PL 78
Instrument Date	May 23, 2022
Transaction Type	Transfer
Record Updated	Jun 9, 2022
Title Company	ASSURE TITLE, ASSURANCE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1123 HOLDEN RD, FREDERICK, MD 21701-3429

Mortgage

Document Number	0015946136
Date	May 26, 2022
Instrument	15946/136

Lender

Name	SANDY SPRING BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jun 1, 2029
Change Frequency	6 Months
Min Rate At Change	3.75%
Max Rate At Change	8.75%
Index	Other
Margin	3
Max Rate	8.75%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	1123 HOLDEN RD, FREDERICK, MD 21701-3429
Transaction Type	Mortgage
Record Updated	Jun 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0147420120
Date	Apr 7, 2021
Book Page	14742/120

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank
Address	BETHESDA, MD 20814

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

September 2017: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 21, 2017
Property Address	1123 HOLDEN RD, FREDERICK, MD 21701-3429
Document Number	0120400199
Book / Page	12040 / 0199
Map Reference	MB94 PL78
Instrument Date	Sep 18, 2017
Instrument	12040-0199
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,772.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1123 HOLDEN RD, FREDERICK, MD 21701-3429

Mortgage

Document Number	120400208
Date	Sep 21, 2017
Instrument	12040-0208

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Municipality	Frederick City
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,511.00 (+15.35%)	$571,000 (+13.75%) Land $165,000 Building $406,000	$571,000 (-) Land $165,000 Building $406,000
2023	$9,112.00	$502,000	$571,000 Land $165,000 Building $406,000

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

Flood

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
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	15 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Maryland
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 329 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Glo Fiber, T-Mobile.

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