Frederick County property record for 128 Water St, Frederick, MD 21701
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 870 sqft · built 1893 |
| Lot Size | 0.09 acres (3,900 sqft) |
| Owner | Individual Name on File |
| Last Sale | $100,000 (Oct 2017) |
| Tax Bill | $3,508 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Oct 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-111233 |
| Primary APN | 02-111233 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 870 sqft Living Area |
| 1st Floor Area | 870 sqft |
| Year Built | Built 1893 |
|---|---|
| Effective Year Built | Effective 1893 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 3,900 sqft (0.09 acres) |
| Lot Dimensions | 30 ft deep x 130 ft wide |
| Porch | Open Porch |
| Porch Area | 320 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 111233 |
|---|---|
| Street Address | 128 WATER ST |
| City | FREDERICK |
| State | MD |
| Zip | 21701-5622 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | M2 |
| Legal Description | LT 130 X 30 128 WATER ST. FREDERICK |
| Legal Subdivision | FREDERICK |
| Legal Lot Number | 128 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 772200 |
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.
128 Water St is owned by an individual who bought it in October 2017.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2067 OLD WASHINGTON RD, WESTMINSTER, MD 21157-7531 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Oct 4, 2017 | Grant Deed, Transfer VILLAGE SETTLEMENTS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 4, 2017 · Amount on File |
| Deed Sale | Oct 4, 2017 · Amount on File |
| Prior Sale | Mar 6, 2001 |
| Deed Document Number | 201712063-0053 |
| Deed Book / Page | 12063 / 53 |
| Prior Transfer Date | Sep 29, 2017 |
| Prior Transfer Doc | 0120630053 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 128 WATER ST, FREDERICK, MD 21701-5622 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2021 |
| Title Company | ASSURANCE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0139750241 |
|---|---|
| Date | Aug 12, 2020 |
| Book Page | 13975/241 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Oct 4, 2017 |
| Property Address | 128 WATER ST, FREDERICK, MD 21701-5622 |
| Document Number | 0120630053 |
| Book / Page | 012063 / 000053 |
| Instrument Date | Sep 29, 2017 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2017 |
| Title Company | VILLAGE SETTLEMENTS INC |
| Amount | Amount on Record |
|---|---|
| Tax | $100.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 2067 OLD WASHINGTON RD WESTMINSTER MD 211577531, WESTMINSTER, MD 21157-7531 |
The 2025 property tax bill for 128 Water St was $3,508.
Source: Frederick County assessment roll, as of August 7, 2026
| 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 |
|---|---|---|---|
| 2026 | $206,367 (+10.12%) | $244,300 (+30.36%) Land $179,500 Building $64,800 | |
| 2025 | $3,508.00 | $187,400 Land $129,500 Building $57,900 | $187,400 Land $129,500 Building $57,900 |
| 2023 | $2,484.00 | $133,333 | $187,400 Land $129,500 Building $57,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 128 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 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.
The area around 128 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 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 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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