Frederick County property record for 124 Water St, Frederick, MD 21701 · Last verified September 2023
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2 Baths |
| Architecture Style | Conventional |
| Year Built | Built 1891 |
| Square Footage | 1,144 sqft Total Area |
| Lot Size | 1,625 sqft (0.037 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $296,500 (2023) |
| Tax Bill | $3,736.00 (2023) |
Source: Frederick County records · APN 02-078473
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 Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 124 WATER ST, FREDERICK, MD 21701-5622 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 12, 2023 | Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE |
| Jan 28, 2021 | Deed, Transfer · Conventional Mortgage INTEGRITY HOME MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 12, 2023 · Amount on Record |
| Deed Sale | Jan 12, 2023 · Amount on Record |
| Prior Sale | Jan 28, 2021 · Amount on Record |
| Deed Doc Number | 0016295271 |
| Deed Book / Page | 16295 / 271 |
| Record Refreshed | Jun 07, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jan 12, 2023 |
| Property Address | 124 WATER ST, FREDERICK, MD 21701-5622 |
| Document Number | 0162950271 |
| Book / Page | 16295 / 271 |
| Map Reference | LB WIP 13 FO 376 |
| Instrument Date | Jan 04, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jan 25, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $741.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 124 WATER ST, FREDERICK, MD 21701-5622 |
| Document Number | 0016295280 |
|---|---|
| Date | Jan 12, 2023 |
| Instrument | 16295/280 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jan 28, 2021 |
| Property Address | 124 WATER ST, FREDERICK, MD 21701-5622 |
| Document Number | 0144940220 |
| Book / Page | 14494 / 220 |
| Map Reference | LB WIP 13 FO 376 |
| Instrument Date | Jan 28, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $670.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 124 WATER ST, FREDERICK, MD 21701-5622 |
| Document Number | 14494228 |
|---|---|
| Date | Jan 28, 2021 |
| Instrument | 14494/228 |
| Name | INTEGRITY HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
Source: Frederick County records · Assessment roll updated July 1, 2023 · Last verified September 2023
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
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 |
|---|---|---|---|
| 2023 | $3,736.00 | $202,967 | $264,100 Land $115,000 Building $149,100 |
Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified: October 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.
| Primary APN | 02-078473 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,144 sqft Total Area |
| 1st Floor | 594 sqft 1st Floor |
| Stories | 2 Stories |
| Year Built | Built 1891 |
|---|---|
| Architectural Style | Conventional Style |
| Exterior Material | Siding Exterior |
| Roof Material | Metal Roof |
| Lot Area | 1,625 sqft (0.037 acres) |
| Depth X Width | 130 ft x 2 ft Depth x Width |
| Porch | Open Porch |
| Porch Area | 132 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Sewage | Sewage Connected |
| Account Number | 078473 |
|---|---|
| Old Parcel Number | 2078473 |
| Street Address | 124 WATER ST |
| City | FREDERICK |
| State | MD |
| Zip | 21701-5622 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LT 12 1/2 X 130 124 WATER ST. FREDERICK |
| Legal Subdivision | FREDERICK |
| Legal Lot Number | 12,124 |
| Jurisdiction | FREDERICK MD |
| Minor Civil Division | 2, FREDERICK |
| Census Blockgroup | 2 |
| Census Block | 2023 |
| Census Tract | 772200 |
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