Frederick County property record for 2185 Cheltenham Ct, Frederick, MD 21702
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,480 sqft · built 1989 |
| Lot Size | 0.184 acres (8,010 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $332,500 (Apr 2017) |
| Tax Bill | $6,887 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Apr 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-156466 |
| Primary APN | 02-156466 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,480 sqft Living Area |
| Gross Area | 2,880 sqft |
| 1st Floor Area | 1,136 sqft |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 8,010 sqft (0.184 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 63 sqft |
| Deck Area | 216 sqft |
| Patio Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 156466 |
|---|---|
| Street Address | 2185 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 1008 PLAT 2 SEC 10 8010 SQ. FT. OLD FARM |
| Legal Subdivision | OLD FARM SEC 10 02 |
| Legal Lot Number | 1008 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2185 CHELTENHAM CT, FREDERICK, MD 21702-9419 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE |
| Apr 24, 2017 | Grant Deed, Transfer · Conventional with PMI EMBRACE HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 24, 2017 · Amount on Record |
| Deed Sale | Apr 24, 2017 · Amount on Record |
| Prior Sale | Oct 4, 2011 · Amount on Record |
| Deed Document Number | 201711781-0403 |
| Deed Book / Page | 11781 / 403 |
| Prior Transfer Date | Oct 3, 2006 |
| Prior Transfer Doc | 0062660472 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 2185 CHELTENHAM CT, FREDERICK, MD 21702-9419 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0146520167 |
|---|---|
| Date | Mar 11, 2021 |
| Book Page | 14652/167 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23451 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Apr 24, 2017 |
| Property Address | 2185 CHELTENHAM CT, FREDERICK, MD 21702-9419 |
| Document Number | 0117810403 |
| Book / Page | 011781 / 000403 |
| Instrument Date | Apr 14, 2017 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2017 |
| Title Company | CLEAR TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $332.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2185 CHELTENHAM CT FREDERICK MD 217029419, FREDERICK, MD 21702-9419 |
| Document Number | 117810410 |
|---|---|
| Date | Apr 24, 2017 |
| Book Page | 011781/000410 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 23, 2047 |
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 | $426,200 (+7.52%) | $485,800 (+22.55%) Land $209,700 Building $276,100 | |
| 2025 | $6,887.00 (+4.62%) Homeowner's exemption | $396,400 (+14.08%) Land $115,700 Building $280,700 | $396,400 (-) Land $115,700 Building $280,700 |
| 2024 | $6,583.00 (+7.08%) | ||
| 2023 | $6,148.00 Homeowner's exemption | $347,467 | $396,400 Land $115,700 Building $280,700 |
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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