Frederick County property record for 16 W 12th St, Frederick, MD 21701
| Property Type | Townhouse |
|---|---|
| Details | 1 ba · 1,592 sqft · built 1927 |
| Lot Size | 0.147 acres (6,400 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $290,000 (Jul 2021) |
| Tax Bill | $5,030 (2024) |
| Deeds & Mortgages | Apr 2026 Line of Credit Apr 2026 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-041502 |
| Primary APN | 02-041502 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,592 sqft Living Area |
| 1st Floor Area | 796 sqft |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Architectural Style | Townhouse |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 6,400 sqft (0.147 acres) |
| Lot Dimensions | 160 ft deep x 38.6 ft wide |
| Garage Type | Detached |
| Garage Area | 336 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 190 sqft |
| Heating System | Radiant |
|---|---|
| Sewer | Municipal |
| Account Number | 041502 |
|---|---|
| Street Address | 16 W 12TH ST |
| City | FREDERICK |
| State | MD |
| Zip | 21701-4529 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R6 |
| Legal Description | LOT 72 - 38.6 X 160 16 W 12TH STREET FREDERICK |
| Legal Subdivision | FREDERICK |
| Legal Lot Number | 72 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 750801 |
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.
Source: Frederick County records, as of May 21, 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 | 16 W 12TH ST, FREDERICK, MD 21701-4529 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 23, 2026 | Deed of Trust · Line of Credit PENTAGON FEDERAL CREDIT UNION |
| Apr 23, 2026 | Deed of Trust, Mortgage · Line of Credit PENTAGON FEDERAL CREDIT UNION |
| Jul 21, 2021 | Deed, Transfer · Conventional Mortgage NFM INC |
| Dec 18, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 21, 2021 · Amount on Record |
| Deed Sale | Jul 21, 2021 · Amount on Record |
| Deed Book / Page | 15109 / 349 |
| Prior Transfer Date | Jul 1, 2021 |
| Prior Transfer Doc | 0151090349 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Apr 23, 2026 |
| Property Address | 16 W 12TH ST, FREDERICK, MD 21701-4529 |
| Document Number | 1783000001 |
| Book / Page | 17831 / 1 |
| Instrument Date | Apr 17, 2026 |
| Record Updated | Apr 30, 2026 |
| Title Company | NATIONWIDE TITLE CLEARING INC, NATIONWIDE TITLE CLEARING (R |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 16 W 12TH ST, FREDERICK, MD 21701-4529 |
| Document Number | 1783000001, |
|---|---|
| Date | Apr 23, 2026 |
| Book Page | 17831/1 |
| Name | PENTAGON FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 2, 2056 |
| Rate | 7% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Apr 23, 2026 |
| Property Address | 16 W 12TH ST, FREDERICK, MD 21701-4529 |
| Document Number | 0178310001 |
| Book / Page | 17831 / 1 |
| Instrument Date | Apr 17, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NATIONWIDE TITLE CLEARING INC, NATIONWIDE TITLE CLEARING |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 16 W 12TH ST, FREDERICK, MD 21701-4529 |
| Document Number | 1783000001, |
|---|---|
| Date | Apr 23, 2026 |
| Book Page | 17831/1 |
| Name | PENTAGON FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 2, 2056 |
| Rate | 7% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jul 21, 2021 |
| Property Address | 16 W 12TH ST, FREDERICK, MD 21701-4529 |
| Document Number | 0151090349 |
| Book / Page | 15109 / 349 |
| Map Reference | MB STH FO 139 |
| Instrument Date | Jul 1, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | BLUE RIDGE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $725.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 16 W 12TH ST, FREDERICK, MD 21701-4529 |
| Document Number | 0015109354 |
|---|---|
| Date | Jul 21, 2021 |
| Instrument | 15109/354 |
| Name | NFM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Dec 18, 2018 |
| Property Address | 16 W 12TH ST, FREDERICK, MD 21701-4529 |
| Document Number | 0127610127 |
| Book / Page | 012761 / 000127 |
| Instrument Date | Nov 26, 2018 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 16 W 12TH ST FREDERICK MD 217014529, FREDERICK, MD 21701-4529 |
Source: Frederick County assessment roll, as of August 4, 2025
| 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 |
|---|---|---|---|
| 2025 | $291,500 (+13.62%) Land $102,400 Building $189,100 | $291,500 (-) Land $102,400 Building $189,100 | |
| 2024 | $5,030.00 (+7.02%) | ||
| 2023 | $4,700.00 | $256,567 | $291,500 Land $102,400 Building $189,100 |
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 | Low lower than 97% of the US · lower than 94% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 306 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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