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

Frederick County property record for 157 B and O Ave, Frederick, MD 21701

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	1 ba · 1,920 sqft · built 1880
Lot Size	0.038 acres (1,661 sqft)
Owner	Individual Name on Record
Last Sale	$629,900 (Dec 2023)
Tax Bill	$8,677 (2023)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Mar 2019 Construction Loan + 3 more
Flood Zone	Zone X (moderate risk)
APN	`02-088118`

Property Details

APN / Parcel Number

Primary APN	`02-088118`
Alternative APNs	`2088118` `088118`

Interior

Full Baths	1 Bath
Stories	3 Stories
Building Area	1,920 sqft Total Area
Gross Area	1,665 sqft
Basement Area	450 sqft
Finished Basement	450 sqft

Exterior

Year Built	Built 1880
Architectural Style	Townhouse
Exterior Material	Brick
Construction Type	Frame
Roof Material	Metal
Lot Area	1,661 sqft (0.038 acres)
Lot Dimensions	144 ft deep x 19 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	088118
Old Parcel Number	2088118
Street Address	157 B AND O AVE
City	FREDERICK
State	MD
Zip	21701-5604
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	M1
Legal Description	LOT 2 1,661 SQ FT B & O PROPERTIES
Legal Subdivision	FREDERICK
Legal Lot Number	2 1
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2021
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
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.

Owner

Source: Frederick County records, as of January 10, 2024

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	157 B AND O AVE, FREDERICK, MD 21701-5604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2023	Deed, Transfer · Conventional Mortgage NFM INC
Mar 12, 2019	Deed of Trust, Mortgage · Construction Mortgage FREDERICK COUNTY BANK
Feb 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC
May 7, 2020	Grant Deed, Transfer · FHA Mortgage EMBRACE HM LOANS
Dec 23, 2019	Correction Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2023 · Amount on Record
Deed Sale	Dec 28, 2023 · Amount on Record
Prior Sale	May 7, 2020 · Amount on Record
Deed Document Number	0016715226
Deed Book / Page	16715 / 226
Record Updated	Jun 7, 2026

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 28, 2023
Property Address	157 B AND O AVE, FREDERICK, MD 21701-5604
Document Number	0167150226
Book / Page	16715 / 226
Map Reference	MB 103 FO 46
Instrument Date	Dec 20, 2023
Transaction Type	Transfer
Record Updated	Jan 11, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,574.75
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	157 B AND O AVE, FREDERICK, MD 21701-5604

Mortgage

Document Number	0016715234
Date	Dec 28, 2023
Instrument	16715/234

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	157 B AND O AVE, FREDERICK, MD 21701-5604
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0128680169
Date	Mar 12, 2019
Book Page	12868/0169

Lender

Name	FREDERICK COUNTY BANK
Type	Bank
Address	FREDERICK, MD 21702

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	157 B AND O AVE, FREDERICK, MD 21701-5604
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	LAWYERS SIGNATURE SETTLEMENTS, LAWYERS SIGNATURE STLMT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0157250042
Date	Feb 14, 2022
Book Page	15725/42

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	May 7, 2020
Property Address	157 B AND O AVE, FREDERICK, MD 21701-5604
Document Number	0137160466
Book / Page	013716 / 000466
Instrument Date	Apr 23, 2020
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	TRI-STATE SIGNATURE SETTLEMENTS, TRI-ST SIGNATURE SETTLEMENTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$570.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	157 B AND O AVE FREDERICK MD 217015604, FREDERICK, MD 21701-5604

Mortgage

Document Number	137160471
Date	May 7, 2020
Book Page	013716/000471

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 6, 2050

December 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 23, 2019
Property Address	157 B AND O AVE, FREDERICK, MD 21701-5604
Document Number	0134190421
Book / Page	013419 / 000421
Instrument Date	Dec 18, 2019
Transaction Type	Transfer
Record Updated	Jan 15, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2714 JAY BIRD CT KNOXVILLE MD 217588806, KNOXVILLE, MD 21758-8806

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

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
2023	$8,677.00	$477,800	$526,400 Land $106,300 Building $420,100

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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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