2203 Independence St, Frederick, MD 21702 Property Records

Frederick County property record for 2203 Independence St, Frederick, MD 21702 · Last verified March 2024

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,516 sqft · built 1993
Lot Size	0.232 acres (10,139 sqft)
Owner	Individual Name on File
Last Sale	$655,000 (Feb 2024)
Tax Bill	$8,318 (2023)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-175231`

Property Details

APN / Parcel Number

Primary APN	`02-175231`
Alternative APNs	`2175231` `175231`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,516 sqft Total Area
1st Floor Area	1,409 sqft
Basement Area	650 sqft
Finished Basement	650 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,139 sqft (0.232 acres)
Garage Type	Attached
Garage Area	512 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	32 sqft
Deck Area	360 sqft
Patio Area	488 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	175231
Old Parcel Number	2175231
Street Address	2203 INDEPENDENCE ST
City	FREDERICK
State	MD
Zip	21702-2621
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 16 SEC 9 PLAT 2 10139 SQ FT WHITTIER PND
Legal Subdivision	WHITTIER POND
Legal Lot Number	16
Jurisdiction	FREDERICK MD
Township / Civil Division	21, TUSCARORA
Census Block Group	4
Census Block	4020
Census Tract	751202

Owner

Source: Frederick County records · APN 02-175231

Assessment roll updated July 1, 2023 · Last verified March 2024

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	2203 INDEPENDENCE ST, FREDERICK, MD 21702-2621
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2024	Deed, Transfer · Conventional Mortgage FIRST SAVINGS MORTGAGE CORP
Mar 09, 2021	Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 26, 2024 · Amount on Record
Deed Sale	Feb 26, 2024 · Amount on Record
Prior Sale	Mar 09, 2021 · Amount on Record
Deed Document Number	0016774221
Deed Book / Page	16774 / 221
Record Updated	Jun 07, 2026

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Feb 26, 2024
Property Address	2203 INDEPENDENCE ST, FREDERICK, MD 21702-2621
Document Number	0167740221
Book / Page	16774 / 221
Map Reference	MB 47 PG 140
Instrument Date	Feb 22, 2024
Transaction Type	Transfer
Record Updated	Mar 11, 2024
Title Company	RGS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2203 INDEPENDENCE ST, FREDERICK, MD 21702-2621

Mortgage

Document Number	0016774232
Date	Feb 26, 2024
Instrument	16774/232

Lender

Name	FIRST SAVINGS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2054

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 09, 2021
Property Address	2203 INDEPENDENCE ST, FREDERICK, MD 21702-2621
Document Number	0146400414
Book / Page	14640 / 414
Map Reference	MB 47 PG 140
Instrument Date	Feb 24, 2021
Transaction Type	Transfer
Record Updated	Aug 09, 2021
Title Company	HIGHLAND TITLE AND ESCROW LLC, HIGHLAND TITLE & ESCROW

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2203 INDEPENDENCE ST, FREDERICK, MD 21702-2621

Mortgage

Document Number	14640420
Date	Mar 09, 2021
Instrument	14640/420

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2051

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated July 1, 2023 · Last verified March 2024

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$8,318.00	$457,833	$562,300 Land $126,000 Building $436,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217512024, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 545 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Shenandoah Telecommunications Company	Fiber	8,000 / 8,000
Xfinity	Cable	2,000 / 2,000

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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