20 College Ave, Frederick, MD 21701 Property Records

Frederick County property record for 20 College Ave, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	2 ba · 1,888 sqft · built 1928
Lot Size	0.069 acres (3,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,517 (Jul 2025)
Tax Bill	$6,706 (2025)
Deeds & Mortgages	Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-102625`

Property Details

APN / Parcel Number

Primary APN	`02-102625`
Alternative APNs	`2102625` `102625`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,888 sqft Living Area
1st Floor Area	832 sqft
Basement Area	352 sqft
Finished Basement	352 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Townhouse
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	3,000 sqft (0.069 acres)
Lot Dimensions	150 ft deep x 20 ft wide
Porch	Open Porch
Porch Area	248 sqft
Deck Area	128 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Municipal

Location & Zoning

Account Number	102625
Street Address	20 COLLEGE AVE
City	FREDERICK
State	MD
Zip	21701-4852
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	DR
Legal Description	LT #11 20 X 150 20 COLLEGE AVE. FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	11
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	3
Census Block	3012
Census Tract	750600

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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	20 COLLEGE AVE, FREDERICK, MD 21701-4852
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2025 · Amount on Record
Deed Sale	Jul 17, 2025 · Amount on Record
Prior Sale	May 29, 1984 · Amount on Record
Deed Book / Page	17432 / 410
Prior Transfer Date	Jul 9, 2025
Prior Transfer Doc	0174320410
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	20 COLLEGE AVE, FREDERICK, MD 21701-4852
Transaction Type	Mortgage
Record Updated	Aug 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0122590213
Date	Feb 1, 2018
Book Page	12259/0213
Instrument	12259-0213

Lender

Name	FREDERICK COUNTY
Address	FREDERICK, MD 21701

Agreement

Amount	Amount Recorded

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		$383,067 (+5.64%)	$424,000 (+16.93%) Land $201,800 Building $222,200
2025	$6,706.00 (+3.58%)	$362,600 (+8.48%) Land $145,800 Building $216,800	$362,600 (-) Land $145,800 Building $216,800
2024	$6,474.00 (+6.18%)
2023	$6,097.00 Homeowner's exemption	$334,267	$362,600 Land $145,800 Building $216,800

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
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	4 in force
Nearby Flood Claims	5 (2015–2019)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Jul 2019 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2018 · 3 claims

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 96% of the US · lower than 92% 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