Frederick County property record for 208 Prospect St, Middletown, MD 21769
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,404 sqft · built 1925 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $340,000 (Sep 2022) |
| Tax Bill | $4,308 (2025) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-148513 |
| Primary APN | 03-148513 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,404 sqft Living Area |
| 1st Floor Area | 732 sqft |
| Attic | Attic |
| Attic Area | 288 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 10,000 sqft (0.23 acres) |
| Lot Dimensions | 200 ft deep x 50 ft wide |
| Porch | Open Porch |
| Porch Area | 216 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 148513 |
|---|---|
| Street Address | 208 PROSPECT ST |
| City | MIDDLETOWN |
| State | MD |
| Zip | 21769-7921 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 50 X 200 208 PROSPECT ST. MIDDLETOWN |
| Legal Subdivision | MIDDLETOWN |
| Legal Lot Number | 208 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 3, MIDDLETOWN |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 752601 |
208 Prospect St is owned and occupied by an individual who bought it in September 2022.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 208 PROSPECT ST, MIDDLETOWN, MD 21769-7921 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 29, 2022 · Amount on File |
| Deed Sale | Sep 29, 2022 · Amount on File |
| Prior Sale | Nov 5, 1987 · Amount on File |
| Deed Book / Page | 16156 / 453 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Sep 29, 2022 |
| Property Address | 208 PROSPECT ST, MIDDLETOWN, MD 21769-7921 |
| Document Number | 0161560453 |
| Book / Page | 16156 / 453 |
| Map Reference | MB STH FO 23 |
| Instrument Date | Sep 12, 2022 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $850.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 208 PROSPECT ST, MIDDLETOWN, MD 21769-7921 |
| Document Number | 0016156460 |
|---|---|
| Date | Sep 29, 2022 |
| Instrument | 16156/460 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Oct 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 9.5% |
| Index | Other |
| Margin | 3 |
| Max Rate | 9.5% |
The 2025 property tax bill for 208 Prospect St was $4,308.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Middletown Town |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $324,500 Land $85,600 Building $238,900 | $324,500 Land $85,600 Building $238,900 | |
| 2025 | $4,308.00 | ||
| 2023 | $3,203.00 | $221,900 Land $71,300 Building $150,600 | $221,900 Land $71,300 Building $150,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 208 Prospect St 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 |
| 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 risk around 208 Prospect St is low, with 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 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF MIDDLETOWN serves 5,132 people · EPA ID MD0100018 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| 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.
Source: FCC Broadband Data Collection, based on 281 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 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: EarthLink Business, MN FWA Buyer.
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