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118 Water St, Frederick, MD 21701 Property Records

Frederick County property record for 118 Water St, Frederick, MD 21701 · Last verified September 2023

Property Summary

Property TypeSingle Family Home
Details3 ba · 1,960 sqft · built 1890
Lot Size0.041 acres (1,820 sqft)
OwnerIndividual Name on File
Last Sale$320,000 (Jun 2005)
Tax Bill$4,315 (2023)
Deeds & MortgagesMay 2020 Mortgage
Dec 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN02-070928

Property Details

APN / Parcel Number

Primary APN02-070928
Alternative APNs
  • 2070928
  • 070928

Interior

Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,960 sqft Total Area
1st Floor Area546 sqft

Exterior

Year BuiltBuilt 1890
Architectural StyleConventional
Exterior MaterialSiding
Roof MaterialMetal
Lot Area1,820 sqft (0.041 acres)
Lot Dimensions130 ft deep x 14 ft wide
PorchPorch
Porch Area80 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air
SewerConnected

Location & Zoning

Account Number070928
Old Parcel Number2070928
Street Address118 WATER ST
CityFREDERICK
StateMD
Zip21701-5622
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT 14 X 130 118 WATER ST FREDERICK
Legal SubdivisionFREDERICK
Legal Lot Number14
JurisdictionFREDERICK MD
Township / Civil Division2, FREDERICK
Census Block Group2
Census Block2023
Census Tract772200

Owner

Source: Frederick County records · APN 02-070928

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 RecordIndividual Name on File
Mailing Address118 WATER ST, FREDERICK, MD 21701-5622
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 08, 2020Deed of Trust, Mortgage · FHA Mortgage
NATIONSTAR MORTGAGE LLC
Dec 22, 2021Deed of Trust, Mortgage · Conventional Mortgage
NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 27, 2005 · Amount on Record
Deed SaleJun 27, 2005 · Amount on Record
Prior SaleNov 05, 2003 · Amount on Record
Deed Document Number054721
Deed Book / Page5389 / 561
Record UpdatedJun 07, 2026

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address118 WATER ST, FREDERICK, MD 21701-5622
Transaction TypeMortgage
Record UpdatedOct 27, 2022
Title CompanyTITLE365

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0137210186
DateMay 08, 2020
Book Page13721/186
Lender
NameNATIONSTAR MORTGAGE LLC
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term180 Months
DueMay 01, 2035

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address118 WATER ST, FREDERICK, MD 21701-5622
Transaction TypeMortgage
Record UpdatedOct 27, 2022
Title CompanyTITLE365

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0156020306
DateDec 22, 2021
Book Page15602/306
Lender
NameNATIONSTAR MORTGAGE LLC
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueJan 01, 2037

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
MunicipalityFrederick City
Unified School DistrictFrederick 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.

YearTax BillAssessed ValueAssessed Market Value
2023$4,315.00 Homeowner's exemption$255,833$320,900 Land $115,000 Building $205,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217722002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies6 in force
Nearby Flood Claims8 (1982–1996)
Claims Outside the SFHA1 of 8
Most Recent ClaimJan 1996, river or lake flooding, Severe Storms And Flooding

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond 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 · August 1, 2026 release · Last verified October 2026

Historic DistrictWithin 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 585 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Shenandoah Telecommunications CompanyFiber8,000 / 8,000
XfinityCable2,000 / 2,000
AT&TFixed Wireless100 / 20
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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