118 W 4th St, Frederick, MD 21701 Property Records

Frederick County property record for 118 W 4th St, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	2 ba · 912 sqft · built 1900
Lot Size	0.027 acres (1,215 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Apr 2010)
Tax Bill	$4,362 (2023)
Deeds & Mortgages	Dec 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`02-098644`

Property Details

APN / Parcel Number

Primary APN	`02-098644`
Alternative APNs	`2098644` `098644`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	912 sqft Total Area
1st Floor Area	456 sqft

Exterior

Year Built	Built 1900
Architectural Style	Townhouse
Exterior Material	Brick
Roof Material	Metal
Lot Area	1,215 sqft (0.027 acres)
Lot Dimensions	90 ft deep x 2 ft wide
Porch	Enclosed Porch
Porch Area	72 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	098644
Old Parcel Number	2098644
Street Address	118 W 4TH ST
City	FREDERICK
State	MD
Zip	21701-5265
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	DR
Legal Description	LT 13 1/2X90 118 W. 4TH ST. FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	13,118
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1001
Census Tract	750200

Owner

Source: Frederick County records · APN 02-098644

Assessment roll updated July 1, 2023 · Last verified September 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	118 W 4TH ST, FREDERICK, MD 21701-5265
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 15, 2010 · Amount on Record
Deed Sale	Apr 15, 2010 · Amount on Record
Prior Sale	May 01, 2003 · Amount on Record
Deed Document Number	101623
Deed Book / Page	07787 / 0258
Record Updated	Jun 07, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	118 W 4TH ST, FREDERICK, MD 21701-5265
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 W 4TH ST, FREDERICK, MD 21701-5265

Mortgage

Document Number	0156090136
Date	Dec 28, 2021
Book Page	15609/136

Lender

Name	SANDY SPRING BANK
Type	Bank
Address	OLNEY, MD 20832

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated July 1, 2023 · Last verified September 2023

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$4,362.00 Homeowner's exemption	$253,667	$309,400 Land $135,000 Building $174,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 6, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	5 in force
Nearby Flood Claims	11 (1979–2018)
Claims Outside the SFHA	5 of 11
Most Recent Claim	Oct 2018 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2018 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026

Historic District	Within the Frederick Historic District (Boundary Increase) listed 1988 · 2,435 contributing resources · NRIS 88000713
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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Shenandoah Telecommunications Company Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Based on FCC filings for 1,251 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF FREDERICK serves 54,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.