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122 Water St, Frederick, MD 21701 Property Records

Frederick County property record for 122 Water St, Frederick, MD 21701

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,160 sqft · built 1891
Lot Size0.037 acres (1,625 sqft)
Owner2 Individual Names on Record
Last Sale$272,500 (Aug 2006)
Tax Bill$3,824 (2025)
Deeds & MortgagesOct 2022 Mortgage
Flood ZoneZone X (minimal risk)
APN02-066580

Property Details

APN / Parcel Number

Primary APN02-066580
Alternative APNs
  • 2066580
  • 066580

Interior

Full Baths2 Baths
Stories2 Stories
Building Area1,160 sqft Living Area
1st Floor Area604 sqft

Exterior

Year BuiltBuilt 1891
Effective Year BuiltEffective 1891
Architectural StyleConventional
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area1,625 sqft (0.037 acres)
Lot Dimensions130 ft deep x 2 ft wide
PorchEnclosed Porch
Porch Area80 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
SewerMunicipal

Location & Zoning

Account Number066580
Street Address122 WATER ST
CityFREDERICK
StateMD
Zip21701-5622
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeDR
Legal DescriptionLT 12 1/2 X 130 122 WATER ST. FREDERICK
Legal SubdivisionMARY A WELTYS ADD/FREDERICK C
Legal Lot Number12,12
JurisdictionFREDERICK MD
Township / Civil Division2, FREDERICK
Census Block Group2
Census Block2023
Census Tract772200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 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.

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 Record2 Individual Names on Record
Mailing Address122 WATER ST, FREDERICK, MD 21701-5622
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 8, 2006 · Amount on Record
Deed SaleAug 8, 2006 · Amount on Record
Prior SaleDec 30, 1998 · Amount on Record
Deed Document Number200665445
Deed Book / Page6158 / 237
Last Transfer DateFeb 7, 2022
Transfer Doc0161800021
Record UpdatedOct 29, 2026

October 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionFREDERICK MD
Recording DateOct 14, 2022
Property Address122 WATER ST, FREDERICK, MD 21701-5622
Document Number0161800021
Book / Page16180 / 21
Map ReferenceLB WIP 13 FO 376
Instrument DateFeb 7, 2022
Transaction TypeTransfer
Record UpdatedOct 28, 2022
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address122 WATER ST, 122, FREDERICK, MD 21701-5622

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address122 WATER ST, FREDERICK, MD 21701-5622

Mortgage

Document Number0001618026
DateOct 14, 2022
Instrument16180/26
Lender
NameUS BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term173 Months
DueMar 1, 2037

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
MunicipalityFrederick City
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$280,667 (+7.62%)$320,400 (+22.85%) Land $165,000 Building $155,400
2025$3,824.00 (+4.8%) Homeowner's exemption$260,800 (+28.01%) Land $115,000 Building $145,800$260,800 (-) Land $115,000 Building $145,800
2024$3,649.00 (+7.2%)
2023$3,404.00 Homeowner's exemption$203,733$260,800 Land $115,000 Building $145,800

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
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 · 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 RiskNot 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 SystemCITY OF FREDERICK
serves 54,000 people · EPA ID MD0100015
Water SourceSurface water
Last State InspectionJun 2024
Lead1 ppb (2019–2021)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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