2205 Independence St, Frederick, MD 21702 Property Records

Frederick County property record for 2205 Independence St, Frederick, MD 21702

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,552 sqft · built 1994
Lot Size	0.229 acres (9,983 sqft)
Owner	2 Individual Names on Record
Last Sale	$383,000 (Jul 2015)
Tax Bill	$8,367 (2024)
Deeds & Mortgages	Sep 2020 Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-175258`

Property Details

APN / Parcel Number

Primary APN	`02-175258`
Alternative APNs	`2175258` `175258`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,552 sqft Living Area
Gross Area	4,036 sqft
1st Floor Area	1,326 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,983 sqft (0.229 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	216 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	175258
Street Address	2205 INDEPENDENCE ST
City	FREDERICK
State	MD
Zip	21702-2621
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PND
Legal Description	LT 17 SEC 9 PLAT 2 9983 SQ FT WHITTIER PND
Legal Subdivision	WHITTIER SEC 9 2
Legal Lot Number	17
Jurisdiction	FREDERICK MD
Township / Civil Division	21, TUSCARORA
Census Block Group	4
Census Block	4020
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 4, 2025

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	2205 INDEPENDENCE ST, FREDERICK, MD 21702-2621
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage TJC MORTGAGE INC
Sep 16, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2015 · Amount on Record
Deed Sale	Jul 9, 2015 · Amount on Record
Prior Sale	May 6, 2010
Deed Book / Page	10641 / 281
Last Transfer Date	Sep 6, 2019
Transfer Doc	0132130193
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2205 INDEPENDENCE ST, FREDERICK, MD 21702-2621
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	CREEKSIDE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 INDEPENDENCE ST, FORT DETRICK, MD 21702-2621

Mortgage

Document Number	0140900383
Date	Sep 21, 2020
Book Page	14090/383

Lender

Name	TJC MORTGAGE INC
Type	Mortgage Company
Address	BIRMINGHAM, AL 35243

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

September 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Sep 16, 2019
Property Address	2205 INDEPENDENCE ST, FREDERICK, MD 21702-2621
Document Number	0132130193
Book / Page	13213 / 0193
Map Reference	MB 47 PL 140
Instrument Date	Sep 6, 2019
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	CREEKSIDE TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2205 INDEPENDENCE ST, FREDERICK, MD 21702-2621

Mortgage

Document Number	132130199
Date	Sep 16, 2019
Instrument	13213/0199

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

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
2025		$539,100 (+19.47%) Land $125,900 Building $413,200	$539,100 (-) Land $125,900 Building $413,200
2024	$8,367.00 (+7.3%)
2023	$7,798.00 Homeowner's exemption	$451,233	$539,100 Land $125,900 Building $413,200

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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