12 Franklin St, Frederick, MD 21701 Property Records

Frederick County property record for 12 Franklin St, Frederick, MD 21701 · Last verified July 2026

Property Summary

Property Type	Townhouse
Details	1 ba · 1,150 sqft · built 1913
Lot Size	0.077 acres (3,366 sqft)
Owner	Individual Name on File
Last Sale	$320,000 (Jun 2024)
Tax Bill	$4,939 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Mar 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-027593`

Property Details

APN / Parcel Number

Primary APN	`02-027593`
Alternative APNs	`2027593` `027593`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,150 sqft Living Area
Gross Area	1,270 sqft
1st Floor Area	575 sqft

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Architectural Style	Townhouse
Exterior Material	Siding
Roof Type	Sawtooth
Roof Material	Metal
Lot Area	3,366 sqft (0.077 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Porch	Open Porch
Porch Area	124 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Municipal

Location & Zoning

Account Number	027593
Street Address	12 FRANKLIN ST
City	FREDERICK
State	MD
Zip	21701-5710
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 12 BLS K 60X 150 12 FRANKLIN STREET FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	12
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2011
Census Tract	772200

Owner

Source: Frederick County records · APN 02-027593

Assessment roll updated August 4, 2025 · Last verified July 2026

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	12 FRANKLIN ST, FREDERICK, MD 21701-5710
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Deed of Trust, Mortgage · Line of Credit MIDDLETOWN VALLEY BANK
Mar 28, 2022	Special Warranty Deed, Transfer USA NATIONAL TITLE COMPANY, BAY NATIONAL TITLE CO
Feb 14, 2022	Trustee's Deed, Foreclosure
Sep 12, 2017	Deed, Transfer · FHA Mortgage DIRECT MORTGAGE LOANS LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 26, 2024 · Amount on Record
Deed Sale	Jun 26, 2024 · Amount on Record
Prior Sale	Mar 28, 2022 · Amount on Record
Deed Book / Page	16921 / 155
Prior Transfer Date	Sep 01, 2017
Prior Transfer Doc	0120240377
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Recording Date	Jul 13, 2026
Property Address	12 FRANKLIN ST, FREDERICK, MD 21701-5710
Document Number	1795000168
Book / Page	17953 / 168
Instrument Date	Jul 08, 2026
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 FRANKLIN ST, FREDERICK, MD 21701-5710

Mortgage

Document Number	1795000168,
Date	Jul 13, 2026
Book Page	17953/168

Lender

Name	MIDDLETOWN VALLEY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.52%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 28, 2022
Property Address	12 FRANKLIN ST, FREDERICK, MD 21701-5710
Document Number	0158190129
Book / Page	15819 / 129
Instrument Date	Mar 03, 2022
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	USA NATIONAL TITLE COMPANY, BAY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Tax	$957.54
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5151 CORPORATE DR, 5151, TROY, MI 48098-2639

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9510 BRIDGEWATER CT E, FREDERICK, MD 21701-7619

February 2022: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	FREDERICK MD
Recording Date	Feb 14, 2022
Property Address	12 FRANKLIN ST, FREDERICK, MD 21701-5710
Document Number	0157270121
Book / Page	15727 / 121
Instrument Date	Dec 27, 2021
Transaction Type	Foreclosure
Record Updated	Aug 11, 2022

Transaction

Amount	Amount Recorded
Tax	$942.05
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 12, 2017
Property Address	12 FRANKLIN ST, FREDERICK, MD 21701-5710
Document Number	0120240377
Book / Page	12024 / 0377
Instrument Date	Sep 01, 2017
Instrument	12024-0377
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	CLEAR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,652.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 FRANKLIN ST, FREDERICK, MD 21701-5710

Mortgage

Document Number	0120240384
Date	Sep 12, 2017
Book Page	12024/0384
Instrument	12024-0384

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company
Address	HUNT VALLEY, MD 21031

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2047

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified July 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

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
2025	$4,939.00 (+16.51%)	$265,800 (+15.1%) Land $76,800 Building $189,000	$265,800 (-) Land $76,800 Building $189,000
2023	$4,239.00	$230,933	$265,800 Land $76,800 Building $189,000

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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, river or lake flooding, Severe Storms And Flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 210 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

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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