116 S Market St, Frederick, MD 21701 Property Records

Frederick County property record for 116 S Market St, Frederick, MD 21701

Property Summary

Property Type	Commercial
Details	1.5 ba · 884 sqft · built 1886
Lot Size	0.078 acres (3,377 sqft)
Owner	2 Individual Names on Record
Last Sale	$287,500 (Nov 2019)
Tax Bill	$5,808 (2024)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-042118`

Property Details

APN / Parcel Number

Primary APN	`02-042118`
Alternative APNs	`2042118` `042118`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	884 sqft Gross Area
1st Floor Area	442 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Architectural Style	Townhouse
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	3,377 sqft (0.078 acres)
Lot Dimensions	193 ft deep x 17.5 ft wide
View / Lot	Commercial/Industrial
Porch	Open Porch
Porch Area	52 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	042118
Street Address	116 S MARKET ST
City	FREDERICK
State	MD
Zip	21701-5527
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	DB
Legal Description	LOT 17.5 X 193 116 S. MKT. ST. FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	116
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1011
Census Tract	772200

Historic Designation

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

Historic District	Within 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

Source: Frederick County records, as of August 4, 2025

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	116 S MARKET ST, FREDERICK, MD 21701-5527
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE X HOME LOANS INC
Nov 27, 2019	Grant Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 2019 · Amount on Record
Deed Sale	Nov 27, 2019 · Amount on Record
Prior Sale	Sep 7, 2012 · Amount on Record
Deed Book / Page	13368 / 375
Prior Transfer Date	Dec 18, 2015
Prior Transfer Doc	0109400009
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	116 S MARKET ST, FREDERICK, MD 21701-5527
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	JDM TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 S MARKET ST, FREDERICK, MD 21701-5527

Mortgage

Document Number	0147300021
Date	Apr 5, 2021
Book Page	14730/21

Lender

Name	MORTGAGE X HOME LOANS INC
Type	Non-Lending Institution
Address	RESTON, VA 20190

Agreement

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

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 27, 2019
Property Address	116 S MARKET ST, FREDERICK, MD 21701-5527
Document Number	0133680375
Book / Page	013368 / 000375
Instrument Date	Nov 18, 2019
Transaction Type	Transfer
Record Updated	Dec 12, 2019
Title Company	OLDE TOWNE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$287.50
Amount Accuracy	Confirmed
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	116 S MARKET ST FREDERICK MD 217015527, FREDERICK, MD 21701-5527

Mortgage

Document Number	133680384
Date	Nov 27, 2019
Book Page	013368/000384

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 26, 2049

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		$376,300 (+26.97%) Land $198,400 Building $177,900	$376,300 (-) Land $198,400 Building $177,900
2024	$5,808.00 (+7.26%)
2023	$5,415.00	$296,367	$376,300 Land $198,400 Building $177,900

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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.

Drinking Water

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

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 577 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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