Frederick County property record for 123 W 5th St, Frederick, MD 21701
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,808 sqft · built 1900 |
| Lot Size | 0.071 acres (3,087 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $565,000 (Jul 2026) |
| Tax Bill | $6,850 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Jan 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-069423 |
| Primary APN | 02-069423 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,808 sqft Living Area |
| 1st Floor Area | 904 sqft |
| Utility Area | 128 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Sawtooth |
| Roof Material | Metal |
| Lot Area | 3,087 sqft (0.071 acres) |
| Lot Dimensions | 80 ft deep x 30 ft wide |
| Porch | Open Porch |
| Porch Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 069423 |
|---|---|
| Street Address | 123 W 5TH ST |
| City | FREDERICK |
| State | MD |
| Zip | 21701-5203 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DR |
| Legal Description | LOT 3,087 SQ FT 123 W. 5TH ST. FREDERICK |
| Legal Subdivision | FREDERICK |
| Legal Lot Number | 3 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 750100 |
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 |
|---|---|
| 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.
Source: Frederick County records, as of July 20, 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 Record |
|---|---|
| Mailing Address | 123 W 5TH ST, FREDERICK, MD 21701-5203 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 13, 2026 | Deed, Transfer · Conventional Mortgage MORTGAGE DIRECT LLC |
| Jan 18, 2022 | Deed, Transfer · FHA Mortgage EMBRACE HOME LOANS INC |
| Nov 7, 2017 | Deed, Transfer · Conventional Mortgage MIDDLETOWN VALLEY BANK |
| Jun 9, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 13, 2026 · Amount on Record |
| Deed Sale | Jul 13, 2026 · Amount on Record |
| Prior Sale | Jan 18, 2022 · Amount on Record |
| Deed Book / Page | 17953 / 198 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jul 13, 2026 |
| Property Address | 123 W 5TH ST, FREDERICK, MD 21701-5203 |
| Document Number | 1795000198 |
| Book / Page | 17953 / 198 |
| Instrument Date | Jul 1, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2026 |
| Title Company | FRIENDSHIP TITLE, FRIENDS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $570,650.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 123 W 5TH ST, FREDERICK, MD 21701-5203 |
| Document Number | 1795000204, |
|---|---|
| Date | Jul 13, 2026 |
| Book Page | 17953/204 |
| Name | MORTGAGE DIRECT LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jan 18, 2022 |
| Property Address | 123 W 5TH ST, FREDERICK, MD 21701-5203 |
| Document Number | 0156660117 |
| Book / Page | 15666 / 117 |
| Instrument Date | Jan 10, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,475.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 123 W 5TH ST, FREDERICK, MD 21701-5203 |
| Document Number | 0015666124 |
|---|---|
| Date | Jan 18, 2022 |
| Instrument | 15666/124 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Nov 7, 2017 |
| Property Address | 123 W 5TH ST, FREDERICK, MD 21701-5203 |
| Document Number | 0121190126 |
| Book / Page | 12119 / 0126 |
| Map Reference | LB11500 FO140 |
| Instrument Date | Nov 1, 2017 |
| Instrument | 12119-0126 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | FENTON TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,320.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 123 W 5TH ST, FREDERICK, MD 21701-5203 |
| Document Number | 0121190135 |
|---|---|
| Date | Nov 7, 2017 |
| Book Page | 12119/0135 |
| Instrument | 12119-0135 |
| Name | MIDDLETOWN VALLEY BANK |
|---|---|
| Type | Bank |
| Address | MIDDLETOWN, MD 21769 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jun 9, 2017 |
| Property Address | 123 W 5TH ST, FREDERICK, MD 21701-5203 |
| Document Number | 0118630140 |
| Book / Page | 011863 / 000140 |
| Instrument Date | Jun 7, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7020 ALLINGTON MANOR CIR E FREDERICK MD 217032837, FREDERICK, MD 21703-2837 |
Source: Frederick County assessment roll, as of August 4, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,850.00 (+4.85%) Homeowner's exemption | $497,000 (+31.81%) Land $145,400 Building $351,600 | $497,000 (-) Land $145,400 Building $351,600 |
| 2024 | $6,533.00 (+7.26%) | ||
| 2023 | $6,091.00 Homeowner's exemption | $377,067 | $497,000 Land $145,400 Building $351,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 4 in force |
| Nearby Flood Claims | 3 (2015–2018) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | May 2018 · 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 1,251 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 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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