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125 Water St, Frederick, MD 21701 Property Records

Frederick County property record for 125 Water St, Frederick, MD 21701

Property Summary

Property TypeTownhouse
Details2.5 ba · 888 sqft · built 1880
Lot Size0.042 acres (1,808 sqft)
OwnerIndividual Name on File
Last Sale$239,000 (Jul 2016)
Tax Bill$4,533 (2025)
Deeds & MortgagesAug 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN02-124629

Property Details

APN / Parcel Number

Primary APN02-124629
Alternative APNs
  • 2124629
  • 124629

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area888 sqft Living Area
Gross Area960 sqft
1st Floor Area504 sqft

Exterior

Year BuiltBuilt 1880
Effective Year BuiltEffective 1880
Architectural StyleTownhouse
Exterior MaterialBrick
Construction TypeBrick
Roof TypeSawtooth
Roof MaterialMetal
Lot Area1,808 sqft (0.042 acres)
Lot Dimensions113 ft deep x 16 ft wide
PorchEnclosed Porch
Porch Area72 sqft
Patio Area120 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemRadiant
SewerMunicipal

Location & Zoning

Account Number124629
Street Address125 WATER ST
CityFREDERICK
StateMD
Zip21701-5621
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodeDR
Legal Description16X113 125 WATER ST FREDERICK
Legal SubdivisionFREDERICK
Legal Lot Number41
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

125 Water St, a townhouse, is owned and occupied by an individual who bought it in July 2016.

Source: Frederick County records, as of August 7, 2026

Owner of RecordIndividual Name on File
Mailing Address125 WATER ST, FREDERICK, MD 21701-5621
OccupancyOwner Occupied
Owner TypeIndividual
VestingSole Owner

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 13, 2016 · Amount on File
Deed SaleJul 13, 2016 · Amount on File
Prior SaleDec 7, 2009 · Amount on File
Deed Book / Page11248 / 67
Record UpdatedOct 29, 2026

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address125 WATER ST, FREDERICK, MD 21701-5621
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyCITIZENS TITLE GROUP LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address125 WATER ST, FREDERICK, MD 21701-5621

Mortgage

Document Number0140270415
DateAug 31, 2020
Book Page14027/415
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term301 Months
DueSep 1, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 125 Water St was $4,533 with a homeowner's exemption.

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$341,633$386,300 Land $165,000 Building $221,300
2025$4,533.00
2023$4,031.00 Homeowner's exemption$266,767$319,300 Land $115,000 Building $204,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 125 Water St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1982.

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

The area around 125 Water St has no burnable land within ember reach, so its wildfire risk is not rated.

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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