Frederick County property record for 1676 Monument Rd, Middletown, MD 21769
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,226 sqft · built 1964 |
| Lot Size | 4.25 acres (185,130 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $680,000 (May 2026) |
| Tax Bill | $5,228 (2025) |
| Deeds & Mortgages | Jul 2024 Line of Credit May 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-351571 |
| Primary APN | 16-351571 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,226 sqft Living Area |
| 1st Floor Area | 2,026 sqft |
| Basement Area | 200 sqft |
| Finished Basement | 200 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 185,130 sqft |
| Garage Area | 1,152 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 296 sqft |
| Patio Area | 240 sqft |
| Shed | 1 Shed |
| Shed Area | 1,350 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 351571 |
|---|---|
| Street Address | 1676 MONUMENT RD |
| City | MIDDLETOWN |
| State | MD |
| Zip | 21769-9601 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RC |
| Legal Description | 4 1/4 AC W/S MON. RD. N/MICHAEL R NR WASH. MON. |
| Legal Subdivision | RODENPILLERS RAMBLES |
| 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.
1676 Monument Rd is owned and occupied by two individuals who bought it in May 2026.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1676 MONUMENT RD, MIDDLETOWN, MD 21769-9601 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Jul 24, 2024 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| May 6, 2026 | Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE |
| Aug 12, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage TRUIST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 6, 2026 · Amount on File |
| Deed Sale | May 6, 2026 · Amount on File |
| Prior Sale | Aug 25, 2006 · Amount on File |
| Deed Book / Page | 17850 / 263 |
| Prior Transfer Date | Jul 26, 2021 |
| Prior Transfer Doc | 0151890401 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 1676 MONUMENT RD, MIDDLETOWN, MD 21769-9601 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1676 MONUMENT RD, MIDDLETOWN, MD 21769-9601 |
| Document Number | 0169530157 |
|---|---|
| Date | Jul 24, 2024 |
| Book Page | 16953/157 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 6, 2026 |
| Property Address | 1676 MONUMENT RD, MIDDLETOWN, MD 21769-9601 |
| Document Number | 1785000263 |
| Book / Page | 17850 / 263 |
| Instrument Date | Apr 30, 2026 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2026 |
| Title Company | LAWYERS SIGNATURE SETTLEMENTS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $686,800.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1676 MONUMENT RD, MIDDLETOWN, MD 21769-9601 |
| Document Number | 1785000271, |
|---|---|
| Date | May 6, 2026 |
| Book Page | 17850/271 |
| Name | TOWNEBANK MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Aug 12, 2021 |
| Property Address | 1676 MONUMENT RD, MIDDLETOWN, MD 21769-9601 |
| Document Number | 0151890401 |
| Book / Page | 15189 / 401 |
| Instrument Date | Jul 26, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | CHOICE TITLE, CHOICE TITLE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1676 MONUMENT RD, MIDDLETOWN, MD 21769-9601 |
| Document Number | 0015189406 |
|---|---|
| Date | Aug 12, 2021 |
| Instrument | 15189/406 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
The 2025 property tax bill for 1676 Monument Rd was $5,228, up 6% from the year before.
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 | $469,200 (+7.16%) Land $124,500 Building $344,700 | $469,200 (-) Land $124,500 Building $344,700 | |
| 2025 | $5,228.00 (+6.02%) Homeowner's exemption | $437,833 | $469,200 Land $124,500 Building $344,700 |
| 2024 | $4,931.00 (+8.52%) | ||
| 2023 | $4,544.00 Homeowner's exemption | $375,100 Land $106,500 Building $268,600 | $375,100 Land $106,500 Building $268,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1676 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 1676 Monument Rd is moderate, ranking above 45% 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 45% of the US · above 85% 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 7 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 |
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