Frederick County property record for 15 W 14th St, Frederick, MD 21701
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 2,680 sqft · built 1950 |
| Lot Size | 0.276 acres (12,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $399,900 (Jun 2019) |
| Tax Bill | $7,718 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-063875 |
| Primary APN | 02-063875 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,680 sqft Living Area |
| 1st Floor Area | 1,374 sqft |
| Basement Area | 679 sqft |
| Finished Basement | 679 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 12,000 sqft (0.276 acres) |
| Lot Dimensions | 120 ft deep x 100 ft wide |
| Garage Type | Detached |
| Garage Area | 264 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 418 sqft |
| Heating System | Radiant |
|---|---|
| Sewer | Municipal |
| Account Number | 063875 |
|---|---|
| Street Address | 15 W 14TH ST |
| City | FREDERICK |
| State | MD |
| Zip | 21701-4413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | LTS 10-13, BLK. H. 100 X 120 15 W. 14TH ST. |
| Legal Subdivision | DANIEL H BUCKLEY |
| Legal Block | H |
| Legal Lot Number | 10-13 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 750801 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Individually Listed | Old National Pike Milestones listed 1975 · 69 contributing resources · NRIS 75002107 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Frederick County records, as of September 11, 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 Record |
|---|---|
| Mailing Address | 15 W 14TH ST, FREDERICK, MD 21701-4413 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 31, 2026 | Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION |
| Aug 11, 2020 | Deed of Trust, Mortgage · VA Mortgage EMBRACE HOME LOANS INC |
| Jun 28, 2019 | Grant Deed, Transfer · VA Mortgage EMBRACE HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 28, 2019 · Amount on Record |
| Deed Sale | Jun 28, 2019 · Amount on Record |
| Prior Sale | Dec 31, 2008 · Amount on Record |
| Deed Book / Page | 13059 / 431 |
| Transfer Doc | 0023460006 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Aug 31, 2026 |
| Property Address | 15 W 14TH ST, FREDERICK, MD 21701-4413 |
| Document Number | 1802000454 |
| Book / Page | 18028 / 454 |
| Instrument Date | Aug 22, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Address | 15 W 14TH ST, FREDERICK, MD 21701-4413 |
| Document Number | 1802000454, |
|---|---|
| Date | Aug 31, 2026 |
| Book Page | 18028/454 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Sep 1, 2066 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 15 W 14TH ST, FREDERICK, MD 21701-4413 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | NEIGHBORHOOD SETTLEMENTS LLC |
| Name | Verified Name |
|---|
| Document Number | 0139730304 |
|---|---|
| Date | Aug 11, 2020 |
| Book Page | 13973/304 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jun 28, 2019 |
| Property Address | 15 W 14TH ST, FREDERICK, MD 21701-4413 |
| Document Number | 0130590431 |
| Book / Page | 013059 / 000431 |
| Instrument Date | Jun 19, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2019 |
| Title Company | ASSURANCE TITLE COMPANY INC, ASSURANCE TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $399.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 15 W 14TH ST FREDERICK MD 217014413, FREDERICK, MD 21701-4413 |
| Document Number | 130590439 |
|---|---|
| Date | Jun 28, 2019 |
| Book Page | 013059/000439 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 27, 2049 |
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 | $528,100 (+5.43%) | $582,500 (+16.29%) Land $157,400 Building $425,100 | |
| 2025 | $7,718.00 (+4.62%) Homeowner's exemption | $500,900 (+13.87%) Land $112,000 Building $388,900 | $500,900 (-) Land $112,000 Building $388,900 |
| 2024 | $7,377.00 (+7.08%) | ||
| 2023 | $6,889.00 Homeowner's exemption | $439,900 | $500,900 Land $112,000 Building $388,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 5 (2018–2019) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Jul 2019 · rainfall accumulation |
| Claims by Event |
|
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.
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 194 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 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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