190 Key Pkwy, Frederick, MD 21702 Property Records

Frederick County property record for 190 Key Pkwy, Frederick, MD 21702

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,820 sqft · built 1975
Lot Size	0.041 acres (1,800 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Aug 2022)
Tax Bill	$5,458 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Dec 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`02-108887`

Property Details

APN / Parcel Number

Primary APN	`02-108887`
Alternative APNs	`2108887` `108887`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,820 sqft Living Area
1st Floor Area	660 sqft
Basement Area	500 sqft
Finished Basement	500 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	1,800 sqft (0.041 acres)
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	108887
Street Address	190 KEY PKWY
City	FREDERICK
State	MD
Zip	21702-3805
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R16
Legal Description	LT 42 BLK H SECT 1 1800 SQ FT HAWTHORNE SQUARE
Legal Subdivision	HAWTHORNE SQUARE
Legal Block	H
Legal Lot Number	42
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2000
Census Tract	750508

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

190 Key Pkwy, a townhouse, is owned and occupied by two individuals who bought it in August 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	190 KEY PKWY, FREDERICK, MD 21702-3805
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2022	Deed, Transfer · Conventional Mortgage HOMESPIRE MORTGAGE CORP
Dec 15, 2021	Deed, Transfer AVALON SETTLEMENTS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2022 · Amount on File
Deed Sale	Aug 15, 2022 · Amount on File
Prior Sale	Dec 15, 2021 · Amount on File
Deed Book / Page	16083 / 165
Record Updated	Oct 29, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 15, 2022
Property Address	190 KEY PKWY, FREDERICK, MD 21702-3805
Document Number	0160830165
Book / Page	16083 / 165
Map Reference	MB 10 FO 46
Instrument Date	Jun 30, 2022
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	KTL TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$787.50
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	190 KEY PKWY, FREDERICK, MD 21702-3805

Mortgage

Document Number	0016083173
Date	Aug 15, 2022
Instrument	16083/173

Lender

Name	HOMESPIRE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2052

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 15, 2021
Property Address	190 KEY PKWY, FREDERICK, MD 21702-3805
Document Number	0155730204
Book / Page	15573 / 204
Map Reference	MB 10 FO 46
Instrument Date	Sep 3, 2021
Transaction Type	Transfer
Record Updated	Dec 29, 2021
Title Company	AVALON SETTLEMENTS INC

Transaction

Amount	Amount on Record
Tax	$600.00
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	11920 COLDSTREAM DR, ROCKVILLE, MD 20854-3602

Tax Assessment & Valuation

The 2025 property tax bill for 190 Key Pkwy was $5,458.

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		$308,533	$337,200 Land $75,000 Building $262,200
2025	$5,458.00
2023	$3,762.00	$204,400	$294,200 Land $70,000 Building $224,200

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

Flood

FEMA maps place 190 Key Pkwy in Zone X, an area of minimal flood risk.

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	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

The area around 190 Key Pkwy has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Glo Fiber, Verizon.

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