Frederick County property record for 1650 Monument Rd, Middletown, MD 21769
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,736 sqft · built 1993 |
| Lot Size | 1 acre (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $529,000 (Oct 2005) |
| Tax Bill | $5,945 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-352969 |
| Primary APN | 16-352969 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,736 sqft Living Area |
| Gross Area | 4,352 sqft |
| 1st Floor Area | 2,084 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft |
| Garage Type | Attached |
| Garage Area | 616 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 240 sqft |
| Patio Area | 264 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 352969 |
|---|---|
| Street Address | 1650 MONUMENT RD |
| City | MIDDLETOWN |
| State | MD |
| Zip | 21769-9601 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RC |
| Legal Description | 1 AC W/S MON. R. N/MICHAEL RD NR. WASH. MON. |
| Legal Subdivision | PALMERS DIV |
| Legal Block | I |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 16, JACKSON |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 752802 |
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.
1650 Monument Rd is owned and occupied by two individuals who bought it in October 2005.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1650 MONUMENT RD, MIDDLETOWN, MD 21769-9601 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 19, 2022 | Deed of Trust, Mortgage · Line of Credit MIDDLETOWN VALLEY BANK |
| Dec 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CHICAGO MORTGAGE SOLUTIONS CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 27, 2005 · Amount on File |
| Deed Sale | Oct 27, 2005 · Amount on File |
| Deed Document Number | 200558387 |
| Deed Book / Page | 5662 / 233 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 1650 MONUMENT RD, MIDDLETOWN, MD 21769-9601 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1650 MONUMENT RD, MIDDLETOWN, MD 21769-9601 |
| Document Number | 0161860111 |
|---|---|
| Date | Oct 19, 2022 |
| Book Page | 16186/111 |
| Name | MIDDLETOWN VALLEY BANK |
|---|---|
| Type | Bank |
| Address | MYERSVILLE, MD 21773 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 1650 MONUMENT RD, MIDDLETOWN, MD 21769-9601 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1650 MONUMENT RD, MIDDLETOWN, MD 21769-9601 |
| Document Number | 0155900278 |
|---|---|
| Date | Dec 20, 2021 |
| Book Page | 15590/278 |
| Name | CHICAGO MORTGAGE SOLUTIONS CORP |
|---|---|
| Type | Mortgage Company |
| Address | DES PLAINES, IL 60018 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2037 |
The 2025 property tax bill for 1650 Monument Rd was $5,945 with a homeowner's exemption.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $497,000 (+4.68%) Land $108,000 Building $389,000 | $497,000 (-) Land $108,000 Building $389,000 | |
| 2025 | $5,945.00 Homeowner's exemption | $474,767 | $497,000 Land $108,000 Building $389,000 |
| 2023 | $5,191.00 Homeowner's exemption | $430,300 Land $90,000 Building $340,300 | $430,300 Land $90,000 Building $340,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1650 Monument Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1984.
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 |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (1984) |
| Most Recent Claim | Feb 1984 · tidal / storm surge |
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 risk around 1650 Monument Rd is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · above 82% of Maryland |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 25 / 3 |
May also be available: EarthLink Business, MN FWA Buyer.
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