131 Water St, Frederick, MD 21701 Property Records

Frederick County property record for 131 Water St, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	1 ba · 1,600 sqft · built 1880
Lot Size	0.241 acres (10,500 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,104 (2025)
Deeds & Mortgages	Mar 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`02-088339`

Property Details

APN / Parcel Number

Primary APN	`02-088339`
Alternative APNs	`2088339` `088339`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,600 sqft Living Area
1st Floor Area	800 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Townhouse
Exterior Material	Brick
Construction Type	Brick
Roof Type	Sawtooth
Roof Material	Metal
Lot Area	10,500 sqft (0.241 acres)
Lot Dimensions	125 ft deep x 84 ft wide
Porch	Open Porch
Porch Area	154 sqft

Utilities, Heating & Cooling

Heating System	Space Heater
Sewer	Municipal

Location & Zoning

Account Number	088339
Street Address	131 WATER ST
City	FREDERICK
State	MD
Zip	21701-5621
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	DR
Legal Description	LT 84 X 125 131 WATER ST. FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	131
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2023
Census Tract	772200

Owner

Source: Frederick County records · APN 02-088339

Assessment roll updated August 7, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	131 WATER ST, FREDERICK, MD 21701-5621
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 19, 2000
Deed Sale	Apr 19, 2000
Deed Document Number	20002118
Deed Book / Page	2701 / 1205
Last Transfer Date	Dec 05, 2016
Transfer Doc	0117300294
Record Updated	Sep 20, 2026

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 23, 2017
Property Address	131 WATER ST, FREDERICK, MD 21701-5621
Document Number	0117300294
Book / Page	011730 / 000294
Instrument Date	Dec 05, 2016
Transaction Type	Transfer
Record Updated	Apr 12, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 WATER ST FREDERICK MD 217015621, FREDERICK, MD 21701-5621

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 7, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Municipality	Frederick City
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

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
2026		$300,933 (+55.01%)	$353,200 (+28.53%) Land $212,500 Building $140,700
2025	$5,104.00 (+42.69%)
2023	$3,577.00	$194,133	$274,800 Land $162,500 Building $112,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 6, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Shenandoah Telecommunications Company Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 2,000
AT&T Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 585 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF FREDERICK serves 54,000 people
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	1 ppb (2019–2021) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.