2119 Independence St, Frederick, MD 21702 Property Records

Frederick County property record for 2119 Independence St, Frederick, MD 21702

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,204 sqft · built 1990
Lot Size	0.247 acres (10,778 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Aug 2009)
Tax Bill	$8,140 (2025)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-168340`

Property Details

APN / Parcel Number

Primary APN	`02-168340`
Alternative APNs	`2168340` `168340`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	3,054 sqft Living Area
Gross Area	3,606 sqft
1st Floor Area	1,102 sqft
Basement Area	850 sqft
Finished Basement	850 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,778 sqft (0.247 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	44 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	168340
Street Address	2119 INDEPENDENCE ST
City	FREDERICK
State	MD
Zip	21702-2600
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PND
Legal Description	LOT 13 SECT 9 PLAT 1 10778 SQ. FT. WHITTIER PND
Legal Subdivision	WHITTIER POND
Legal Lot Number	13
Jurisdiction	FREDERICK MD
Township / Civil Division	21, TUSCARORA
Census Block Group	4
Census Block	4015
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

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2119 INDEPENDENCE ST, FREDERICK, MD 21702-2600
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2009 · Amount on Record
Deed Sale	Aug 20, 2009 · Amount on Record
Prior Sale	Dec 4, 2003 · Amount on Record
Deed Document Number	20093199
Deed Book / Page	7451 / 477
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2119 INDEPENDENCE ST, FREDERICK, MD 21702-2600
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	CLEAREDGE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2119 INDEPENDENCE ST, FREDERICK, MD 21702-2600

Mortgage

Document Number	0153580476
Date	Oct 6, 2021
Book Page	15358/476

Lender

Name	HOMETAP INVESTMENT PARTNERS III SPV LLC
Type	Non-Lending Institution
Address	BOSTON, MA 02199

Agreement

Type	Commercial Mortgage
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		$518,433 (+24.11%)	$560,500 (+12.69%) Land $177,300 Building $383,200
2025	$8,140.00 (+12.4%)
2023	$7,242.00 Homeowner's exemption	$417,733	$497,400 Land $126,100 Building $371,300

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 2020 · other causes

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 545 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

May also be available: Verizon.

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