Frederick County property record for 18 James St, Frederick, MD 21701 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 1 Baths |
| Architecture Style | Conventional |
| Year Built | Built 1955 |
| Square Footage | 875 sqft Living Area |
| Lot Size | 7,257 sqft (0.167 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $238,000 (2020) |
| Tax Bill | $4,658.00 (2025) |
| Primary APN | 02-080273 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Baths |
|---|---|
| Building Area | 875 sqft Living Area |
| Gross Area | 1,035 sqft Gross Area |
| 1st Floor | 875 sqft 1st Floor |
| Stories | 1 Stories |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Conventional Style |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 7,257 sqft (0.167 acres) |
| Depth X Width | 123 ft x 59 ft Depth x Width |
| Patio Area | 160 sqft Patio |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Sewage | Municipal Sewage |
| Account Number | 080273 |
|---|---|
| Street Address | 18 JAMES ST |
| City | FREDERICK |
| State | MD |
| Zip | 21701-6228 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LT #17, 59 X 123 18 JAMES ST. FREDERICK |
| Legal Subdivision | FREDERICK |
| Legal Lot Number | 17 |
| Jurisdiction | FREDERICK MD |
| Minor Civil Division | 2, FREDERICK |
| Census Blockgroup | 2 |
| Census Block | 2002 |
| Census Tract | 765100 |
Source: Frederick County records · APN 02-080273
Assessment roll updated August 4, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 18 JAMES ST, FREDERICK, MD 21701-6228 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Tenant By Entirety |
| Date | Document |
|---|---|
| Jan 18, 2023 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Dec 30, 2020 | Deed, Transfer · Conventional Mortgage DIRECT MORTGAGE LOANS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 30, 2020 · Amount on Record |
| Deed Sale | Dec 30, 2020 · Amount on Record |
| Prior Sale | Dec 14, 1995 · Amount on Record |
| Deed Book / Page | 14404 / 378 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 18 JAMES ST, FREDERICK, MD 21701-6228 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2023 |
| Name | Verified Name |
|---|---|
| Address | 18 JAMES ST, FREDERICK, MD 21701-6228 |
| Document Number | 0163000360 |
|---|---|
| Date | Jan 18, 2023 |
| Book Page | 16300/360 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 17, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Dec 30, 2020 |
| Property Address | 18 JAMES ST, FREDERICK, MD 21701-6228 |
| Document Number | 0144040378 |
| Book / Page | 14404 / 378 |
| Map Reference | MB 3 FO 73 |
| Instrument Date | Nov 10, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,190.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 18 JAMES ST, FREDERICK, MD 21701-6228 |
| Document Number | 14404383 |
|---|---|
| Date | Dec 30, 2020 |
| Instrument | 14404/383 |
| Name | DIRECT MORTGAGE LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2050 |
Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,658.00 (+40.94%) | $250,400 (+39.89%) Land $109,000 Building $141,400 | $250,400 (-) Land $109,000 Building $141,400 |
| 2023 | $3,305.00 | $179,000 | $250,400 Land $109,000 Building $141,400 |
18 James St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Frederick County (24021C), updated November 6, 2024
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 2nd percentile of exposed land nationally · 4th in Maryland |
|---|---|
| Wildfire Likelihood | Low — less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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