115 Prospect St, Middletown, MD 21769 Property Records

Frederick County property record for 115 Prospect St, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,740 sqft · built 1920
Lot Size	0.516 acres (22,480 sqft)
Owner	Individual Name on File
Last Sale	$310,000 (Jul 2019)
Tax Bill	$4,117 (2023)
Deeds & Mortgages	Mar 2021 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-135314`

Property Details

APN / Parcel Number

Primary APN	`03-135314`
Alternative APNs	`3135314` `135314`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,740 sqft Total Area
1st Floor Area	1,160 sqft
Basement Area	500 sqft
Finished Basement	500 sqft

Exterior

Year Built	Built 1920
Architectural Style	Conventional
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	22,480 sqft (0.516 acres)
Garage Type	Mixed
Garage Area	264 sqft
Carport	Carport
Carport Area	234 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	265 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	135314
Old Parcel Number	3135314
Street Address	115 PROSPECT ST
City	MIDDLETOWN
State	MD
Zip	21769-7924
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 22,480 SQ. FT. 115 PROSPECT STREET MIDDLETOWN
Legal Subdivision	MIDDLETOWN
Legal Lot Number	22 480
Jurisdiction	FREDERICK MD
Township / Civil Division	3, MIDDLETOWN
Census Block Group	4
Census Block	4006
Census Tract	752601

Historic Designation

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.

Owner

115 Prospect St is owned and occupied by an individual who bought it in July 2019.

Source: Frederick County records, as of September 25, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	115 PROSPECT ST, MIDDLETOWN, MD 21769-7924
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Jul 9, 2019	Deed, Transfer · Conventional Mortgage FIDELITY DIRECT MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2019 · Amount on File
Deed Sale	Jul 9, 2019 · Amount on File
Deed Document Number	0013073244
Deed Book / Page	13073 / 244
Record Updated	Jun 7, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	115 PROSPECT ST, MIDDLETOWN, MD 21769-7924
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0146040137
Date	Mar 1, 2021
Book Page	14604/137

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2051

July 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jul 9, 2019
Property Address	115 PROSPECT ST, MIDDLETOWN, MD 21769-7924
Document Number	0130730244
Book / Page	13073 / 0244
Map Reference	MB STH FO 23
Instrument Date	Jun 28, 2019
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	LAWYERS SIGNATURE SETTLEMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	115 PROSPECT ST, MIDDLETOWN, MD 21769-7924

Mortgage

Document Number	130730250
Date	Jul 9, 2019
Instrument	13073/0250

Lender

Name	FIDELITY DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$4,117.00 Homeowner's exemption	$287,000 Land $82,400 Building $204,600	$287,000 Land $82,400 Building $204,600

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

Flood

FEMA maps place 115 Prospect St in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 115 Prospect St is low, with a 0.01% annual chance of wildfire.

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	Direct burnable vegetation

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 System	TOWN OF MIDDLETOWN serves 5,132 people · EPA ID MD0100018
Water Source	Groundwater
Last State Inspection	Jan 2025

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 281 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
T-Mobile Fixed Wireless	100 / 20

May also be available: EarthLink Business, MN FWA Buyer.

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