2022 Rosemont Ave, Frederick, MD 21702 Property Records

Frederick County property record for 2022 Rosemont Ave, Frederick, MD 21702

Property Summary

Property Type	General Agricultural/Rural
Details	2.5 ba · 2,922 sqft · built 1742
Lot Size	20.8 acres (907,790 sqft)
Owner	2 Individual Names on File
Last Sale	$499,000 (Mar 2018)
Tax Bill	$7,443 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2023 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`02-464535`

Property Details

APN / Parcel Number

Primary APN	`02-464535`
Alternative APN	`464535`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,922 sqft Gross Area
1st Floor Area	1,613 sqft

Exterior

Year Built	Built 1742
Effective Year Built	Effective 1742
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Stone
Roof Material	Composition Shingle
Lot Area	907,790 sqft (20.8 acres)
View / Lot	Commercial/Industrial
Porch	Slab
Porch Area	119 sqft
Patio Area	312 sqft

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	464535
Street Address	2022 ROSEMONT AVE
City	FREDERICK
State	MD
Zip	21702-8240
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Local Zoning Code	R4
Legal Description	LOT 2 SECT 1 20.84 ACRES CF MURPHY SUB
Legal Subdivision	MURPHY SUB
Legal Lot Number	2
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

2022 Rosemont Ave, an agricultural property, is owned and occupied by two individuals who bought it in March 2018.

Source: Frederick County records, as of April 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2022 ROSEMONT AVE, FREDERICK, MD 21702-8240
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
Dec 8, 2025	Deed of Trust, Mortgage · VA Mortgage KIND LENDING LLC
Dec 1, 2023	Deed of Trust, Mortgage · VA Mortgage WINTRUST MORTGAGE
Mar 23, 2018	Deed, Transfer · ARM FIRST UNITED BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2018 · Amount on File
Deed Sale	Mar 23, 2018 · Amount on File
Deed Book / Page	12327 / 432
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2022 ROSEMONT AVE, FREDERICK, MD 21702-8240
Transaction Type	Mortgage
Record Updated	Dec 22, 2025
Title Company	CREEKSIDE TITLE, CREEKSIDE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2022 ROSEMONT AVE, FREDERICK, MD 21702-8240

Mortgage

Document Number	0176330232
Date	Dec 8, 2025
Book Page	17633/232

Lender

Name	KIND LENDING LLC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2022 ROSEMONT AVE, FREDERICK, MD 21702-8240
Transaction Type	Mortgage
Record Updated	Dec 14, 2023
Title Company	ELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2022 ROSEMONT AVE, FREDERICK, MD 21702-8240

Mortgage

Document Number	0166860383
Date	Dec 1, 2023
Book Page	16686/383

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2053

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 23, 2018
Property Address	2022 ROSEMONT AVE, FREDERICK, MD 21702-8240
Document Number	0123270432
Book / Page	12327 / 0432
Map Reference	MB87 PG82
Instrument Date	Mar 15, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,247.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2022 ROSEMONT AVE, FREDERICK, MD 21702-8240

Mortgage

Document Number	0012327439
Date	Mar 23, 2018
Instrument	12327/439

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.44%
Type Change Date	Apr 1, 2023
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5.44%
Index	1-Year CMT
Margin	3
Max Rate	9.44%

Tax Assessment & Valuation

The 2025 property tax bill for 2022 Rosemont Ave was $7,443 with a homeowner's exemption.

Source: Frederick County assessment roll, as of August 4, 2025

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
2025	$7,443.00 Homeowner's exemption	$407,500 Land $109,900 Building $297,600	$407,500 Land $109,900 Building $297,600
2023	$6,673.00 Homeowner's exemption	$368,633	$407,500 Land $109,900 Building $297,600

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

Flood

FEMA maps place 2022 Rosemont Ave in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective November 6, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 2022 Rosemont Ave 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 94% of the US · lower than 87% 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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