120 Water St, Frederick, MD 21701 Property Records

Frederick County property record for 120 Water St, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,357 sqft · built 1880
Lot Size	0.035 acres (1,560 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Aug 2020)
Tax Bill	$3,584 (2023)
Deeds & Mortgages	Aug 2020 Sale & Mortgage May 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`02-070901`

Property Details

APN / Parcel Number

Primary APN	`02-070901`
Alternative APNs	`2070901` `070901`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,357 sqft Total Area
1st Floor Area	396 sqft

Exterior

Year Built	Built 1880
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Metal
Lot Area	1,560 sqft (0.035 acres)
Lot Dimensions	130 ft deep x 12 ft wide
Porch	Porch
Porch Area	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	070901
Old Parcel Number	2070901
Street Address	120 WATER ST
City	FREDERICK
State	MD
Zip	21701-5622
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DR
Legal Description	LT 12 X 130 120 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 September 25, 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 Record
Mailing Address	120 WATER ST, FREDERICK, MD 21701-5622
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2020	Deed, Transfer · Conventional Mortgage EAGLE BANK
May 26, 2020	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2020 · Amount on Record
Deed Sale	Aug 6, 2020 · Amount on Record
Prior Sale	May 26, 2020
Deed Document Number	0013959323
Deed Book / Page	13959 / 323
Record Updated	Jun 7, 2026

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 6, 2020
Property Address	120 WATER ST, FREDERICK, MD 21701-5622
Document Number	0139590323
Book / Page	13959 / 323
Map Reference	LB WIP 13 FO 376
Instrument Date	Jul 20, 2020
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	HUTTON PATT T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$712.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	120 WATER ST, FREDERICK, MD 21701-5622

Mortgage

Document Number	13959330
Date	Aug 6, 2020
Instrument	13959/330

Lender

Name	EAGLE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	May 26, 2020
Property Address	120 WATER ST, FREDERICK, MD 21701-5622
Document Number	0137590207
Book / Page	013759 / 000207
Instrument Date	May 12, 2020
Transaction Type	Transfer
Record Updated	Jul 3, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 WATER ST FREDERICK MD 217015622, FREDERICK, MD 21701-5622

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$3,584.00 Homeowner's exemption	$218,200	$285,200 Land $115,000 Building $170,200

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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