1821 Free Ter, Frederick, MD 21702 Property Records

Frederick County property record for 1821 Free Ter, Frederick, MD 21702

Property Summary

Property Type	Townhouse
Details	3.5 ba · 1,910 sqft · built 2000
Lot Size	0.046 acres (2,000 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Jun 2022)
Tax Bill	$6,104 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-222531`

Property Details

APN / Parcel Number

Primary APN	`02-222531`
Alternative APNs	`2222531` `222531`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,910 sqft Living Area
1st Floor Area	760 sqft
Basement Area	550 sqft
Finished Basement	550 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,000 sqft (0.046 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	222531
Street Address	1821 FREE TER
City	FREDERICK
State	MD
Zip	21702-5903
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PND
Legal Description	LOT 311 SECTION 1 PLAT 3-2,000 SQ. FT. WALNUT RIDGE
Legal Subdivision	WALNUT RDG SEC 01 01-7
Legal Lot Number	311
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1000
Census Tract	751202

Historic Designation

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.

Owner

1821 Free Ter, a townhouse, is owned and occupied by two individuals who bought it in June 2022.

Source: Frederick County records, as of August 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1821 FREE TER, FREDERICK, MD 21702-5903
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2022	Deed, Transfer · Conventional Mortgage BAY EQUITY LLC
Jan 13, 2020	Grant Deed, Transfer · VA Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2022 · Amount on File
Deed Sale	Jun 15, 2022 · Amount on File
Prior Sale	Jan 13, 2020 · Amount on File
Deed Book / Page	15983 / 438
Record Updated	Oct 29, 2026

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 15, 2022
Property Address	1821 FREE TER, FREDERICK, MD 21702-5903
Document Number	0159830438
Book / Page	15983 / 438
Map Reference	MB 64 PG 171-177
Instrument Date	Jun 13, 2022
Transaction Type	Transfer
Record Updated	Jun 29, 2022
Title Company	GPN TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1821 FREE TER, FREDERICK, MD 21702-5903

Mortgage

Document Number	0015983444
Date	Jun 15, 2022
Instrument	15983/444

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 13, 2020
Property Address	1821 FREE TER, FREDERICK, MD 21702-5903
Document Number	0134570367
Book / Page	013457 / 000367
Instrument Date	Dec 19, 2019
Transaction Type	Transfer
Record Updated	Jan 31, 2020
Title Company	MBH SETTLEMENT GROUP LC, MBH SETTLEMENT GRP LC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$282.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1821 FREE TER FREDERICK MD 217025903, FREDERICK, MD 21702-5903

Mortgage

Document Number	134570373
Date	Jan 13, 2020
Book Page	013457/000373

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 12, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1821 Free Ter was $6,104.

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		$345,300	$376,700 Land $110,500 Building $266,200
2025	$6,104.00
2023	$4,805.00	$262,400	$329,600 Land $85,000 Building $244,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1821 Free Ter in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 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

Wildfire risk around 1821 Free Ter is low, with less than a 0.01% annual chance of wildfire.

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.

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 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20

May also be available: Glo Fiber.

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