18 S Bentz St, Frederick, MD 21701 Property Records

Frederick County property record for 18 S Bentz St, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	2 ba · 982 sqft · built 1924
Lot Size	0.035 acres (1,504 sqft)
Owner	Individual Name on Record
Last Sale	$186,500 (Dec 2015)
Tax Bill	$4,679 (2025)
Deeds & Mortgages	Jul 2021 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-125234`

Property Details

APN / Parcel Number

Primary APN	`02-125234`
Alternative APNs	`2125234` `125234`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	982 sqft Living Area
1st Floor Area	516 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Architectural Style	Townhouse
Exterior Material	Brick
Construction Type	Brick
Roof Type	Sawtooth
Roof Material	Metal
Lot Area	1,504 sqft (0.035 acres)
Lot Dimensions	94 ft deep x 16 ft wide
Porch	Open Porch
Porch Area	50 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Municipal

Location & Zoning

Account Number	125234
Street Address	18 S BENTZ ST
City	FREDERICK
State	MD
Zip	21701-5506
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	DR
Legal Description	LT 15 16X94 18 S BENTZ ST FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	15
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1001
Census Tract	750300

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 August 7, 2026

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
Mailing Address	18 S BENTZ ST, FREDERICK, MD 21701-5506
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2015 · Amount on Record
Deed Sale	Dec 30, 2015 · Amount on Record
Prior Sale	Oct 12, 2006 · Amount on Record
Deed Book / Page	10924 / 14
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	18 S BENTZ ST, FREDERICK, MD 21701-5506
Transaction Type	Mortgage
Record Updated	Dec 22, 2022
Title Company	NEW WORLD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 S BENTZ ST, FREDERICK, MD 21701-5506

Mortgage

Document Number	0150800344
Date	Jul 12, 2021
Book Page	15080/344

Lender

Name	AMERICAN ADVISORS GOURP
Type	Reverse Mortgage Lender
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

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
2026		$307,400 (+24.6%)	$341,600 (+17.67%) Land $150,000 Building $191,600
2025	$4,679.00 (+12.18%)
2023	$4,171.00 Homeowner's exemption	$246,700	$290,300 Land $105,000 Building $185,300

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force

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	Low lower than 99.1% of the US · lower than 98.5% 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.

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 571 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