117 Water St, Frederick, MD 21701 Property Records

Frederick County property record for 117 Water St, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	1.5 ba · 825 sqft · built 1885
Lot Size	0.025 acres (1,088 sqft)
Owner	Individual Name on Record
Last Sale	$229,200 (Jul 2006)
Tax Bill	$3,945 (2025)
Deeds & Mortgages	Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-100401`

Property Details

APN / Parcel Number

Primary APN	`02-100401`
Alternative APNs	`2100401` `100401`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	825 sqft Living Area
1st Floor Area	525 sqft

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1885
Architectural Style	Townhouse
Construction Type	Frame
Roof Type	Sawtooth
Roof Material	Metal
Lot Area	1,088 sqft (0.025 acres)
Lot Dimensions	87 ft deep x 2 ft wide
Porch	Enclosed Porch
Porch Area	75 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	100401
Street Address	117 WATER ST
City	FREDERICK
State	MD
Zip	21701-5621
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	DR
Legal Description	LT 12 1/2 X 87 117 WATER ST FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	12
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2023
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 7, 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	Individual Name on Record
Mailing Address	117 WATER ST, FREDERICK, MD 21701-5621
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2006 · Amount on Record
Deed Sale	Jul 11, 2006 · Amount on Record
Prior Sale	Jun 1, 2005 · Amount on Record
Deed Document Number	200664905
Deed Book / Page	6112 / 548
Transfer Doc	0053380719
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	117 WATER ST, FREDERICK, MD 21701-5621
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0133220093
Date	Nov 5, 2019
Book Page	13322/0093

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company
Address	ANNAPOLIS, MD 21401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

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

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
2026		$232,133 (+9.86%)	$273,800 (+29.58%) Land $165,000 Building $108,800
2025	$3,945.00 (+12.01%)	$211,300 (+29.29%) Land $115,000 Building $96,300	$211,300 (-) Land $115,000 Building $96,300
2024	$3,522.00 (+16.39%)
2023	$3,026.00	$163,433	$211,300 Land $115,000 Building $96,300

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	8 (1982–1996)
Claims Outside the SFHA	1 of 8
Most Recent Claim	Jan 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

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 585 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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