146 B and O Ave, Frederick, MD 21701 Property Records

Frederick County property record for 146 B and O Ave, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	1.5 ba · 1,026 sqft · built 1900
Lot Size	0.046 acres (1,982 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Oct 2021)
Tax Bill	$4,224 (2024)
Deeds & Mortgages	Apr 2021 Mortgage Oct 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-021544`

Property Details

APN / Parcel Number

Primary APN	`02-021544`
Alternative APNs	`2021544` `021544`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,026 sqft Living Area
Gross Area	1,242 sqft
1st Floor Area	558 sqft
Attic	Attic
Attic Area	230 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Townhouse
Exterior Material	Brick
Construction Type	Brick
Roof Type	Sawtooth
Roof Material	Metal
Lot Area	1,982 sqft (0.046 acres)
Lot Dimensions	92 ft deep x 21 ft wide
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	021544
Street Address	146 B AND O AVE
City	FREDERICK
State	MD
Zip	21701-5605
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	DR
Legal Description	LT 1,982 SQ FT 146 B & O AVE. FREDERICK
Legal Subdivision	FREDERICK
Legal Block	O
Legal Lot Number	1
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2023
Census Tract	772200

Historic Designation

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.

Owner

Source: Frederick County records, as of August 4, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	146 B AND O AVE, FREDERICK, MD 21701-5605
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 28, 2021	Deed, Transfer · Conventional Mortgage ARC HOME LLC
Apr 23, 2019	Intrafamily Transfer, Transfer · VA Mortgage FIRST HOME BANK
Dec 2, 2020	Re-recorded Document · VA Mortgage FIRST HOME BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2021 · Amount on Record
Deed Sale	Oct 28, 2021 · Amount on Record
Prior Sale	Oct 2, 2015 · Amount on Record
Deed Book / Page	15446 / 481
Prior Transfer Date	Apr 6, 2019
Prior Transfer Doc	0143170126
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	146 B AND O AVE, FREDERICK, MD 21701-5605
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0147350171
Date	Apr 5, 2021
Book Page	14735/171

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Apr 1, 2050

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 28, 2021
Property Address	146 B AND O AVE, FREDERICK, MD 21701-5605
Document Number	0154460481
Book / Page	15446 / 481
Instrument Date	Oct 26, 2021
Transaction Type	Transfer
Record Updated	Nov 10, 2021
Title Company	PINNACLE TITLE AND ESCROW, PINNACLE TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$812.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	146 B AND O AVE, FREDERICK, MD 21701-5605

Mortgage

Document Number	15446489
Date	Oct 28, 2021
Instrument	15446/489

Lender

Name	ARC HOME LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

April 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Apr 23, 2019
Property Address	146 B AND O AVE, FREDERICK, MD 21701-5605
Document Number	0129310110
Book / Page	12931 / 0110
Instrument Date	Apr 6, 2019
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	146 B AND O AVE, FREDERICK, MD 21701-5605

Mortgage

Document Number	0129310114
Date	Apr 23, 2019
Book Page	12931/0114

Lender

Name	FIRST HOME BANK
Type	Bank
Address	SEMINOLE, FL 33772

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

December 2020: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	FREDERICK MD
Recording Date	Dec 2, 2020
Property Address	146 B AND O AVE, FREDERICK, MD 21701-5605
Document Number	0143170126
Book / Page	14317 / 126
Instrument Date	Apr 6, 2019
Record Updated	Aug 9, 2021
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	146 B AND O AVE, FREDERICK, MD 21701-5605

Mortgage

Document Number	0143170132
Date	Dec 2, 2020
Book Page	14317/132

Lender

Name	FIRST HOME BANK
Type	Bank
Address	SEMINOLE, FL 33772

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	May 1, 2050

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$315,700 (+31.05%) Land $118,900 Building $196,800	$315,700 (-) Land $118,900 Building $196,800
2024	$4,224.00 (+7.21%)
2023	$3,940.00	$240,900	$315,700 Land $118,900 Building $196,800

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

Flood

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.

Wildfire

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.

Drinking Water

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

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, 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

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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