Frederick County property record for 2181 Cheltenham Ct, Frederick, MD 21702
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,800 sqft · built 1990 |
| Lot Size | 0.198 acres (8,641 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $365,000 (Jun 2019) |
| Tax Bill | $7,646 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage Jun 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-156431 |
| Primary APN | 02-156431 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,800 sqft Living Area |
| Gross Area | 3,200 sqft |
| 1st Floor Area | 1,298 sqft |
| Basement Area | 600 sqft |
| Finished Basement | 600 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 8,641 sqft (0.198 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 168 sqft |
| Deck Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 156431 |
|---|---|
| Street Address | 2181 CHELTENHAM CT |
| City | FREDERICK |
| State | MD |
| Zip | 21702-9419 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PND |
| Legal Description | LT 1006 PLAT 2 SEC 10 8641 SQ. FT. OLD FARM |
| Legal Subdivision | OLD FARM SEC 10 02 |
| Legal Lot Number | 1006 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 751202 |
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.
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 | Individual Name on Record |
|---|---|
| Mailing Address | 2181 CHELTENHAM CT, FREDERICK, MD 21702-9419 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Jun 10, 2022 | Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jun 24, 2019 | Deed, Transfer · Conventional Mortgage DEPARTMENT OF COMMERCE FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 24, 2019 · Amount on Record |
| Deed Sale | Jun 24, 2019 · Amount on Record |
| Prior Sale | Jun 15, 2012 · Amount on Record |
| Deed Book / Page | 13044 / 277 |
| Prior Transfer Date | Jun 23, 2009 |
| Prior Transfer Doc | 0073920338 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 2181 CHELTENHAM CT, FREDERICK, MD 21702-9419 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Title Company | NOT AVAILABLE, QUANTAM TITLE CORPORATION |
| Name | Verified Name |
|---|
| Document Number | 0159750261 |
|---|---|
| Date | Jun 10, 2022 |
| Book Page | 15975/261 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jun 24, 2019 |
| Property Address | 2181 CHELTENHAM CT, FREDERICK, MD 21702-9419 |
| Document Number | 0130440277 |
| Book / Page | 13044 / 0277 |
| Map Reference | MB 39 FO 177 |
| Instrument Date | Apr 10, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | JDM TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $912.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 2181 CHELTENHAM CT, FREDERICK, MD 21702-9419 |
| Document Number | 130440286 |
|---|---|
| Date | Jun 24, 2019 |
| Instrument | 13044/0286 |
| Name | DEPARTMENT OF COMMERCE FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | May 1, 2049 |
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $468,400 (+6.79%) | $528,000 (+20.38%) Land $211,100 Building $316,900 | |
| 2025 | $7,646.00 (+4.63%) Homeowner's exemption | $438,600 (+14.3%) Land $116,500 Building $322,100 | $438,600 (-) Land $116,500 Building $322,100 |
| 2024 | $7,308.00 (+7.09%) | ||
| 2023 | $6,824.00 Homeowner's exemption | $383,733 | $438,600 Land $116,500 Building $322,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
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 | None beyond ember reach |
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 | 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 |
| 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 296 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 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
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