2215 Independence St, Frederick, MD 21702 Property Records

Frederick County property record for 2215 Independence St, Frederick, MD 21702

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,166 sqft · built 1992
Lot Size	0.237 acres (10,300 sqft)
Owner	2 Individual Names on Record
Last Sale	$565,000 (Dec 2021)
Tax Bill	$8,145 (2024)
Deeds & Mortgages	Sep 2021 Mortgage Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-175304`

Property Details

APN / Parcel Number

Primary APN	`02-175304`
Alternative APNs	`2175304` `175304`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,166 sqft Living Area
Gross Area	3,678 sqft
1st Floor Area	1,409 sqft
Basement Area	650 sqft
Finished Basement	650 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,300 sqft (0.237 acres)
Garage Type	Attached
Garage Area	512 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	32 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	175304
Street Address	2215 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 22 SEC 9 PLAT 2 10300 SQ FT WHITTIER PND
Legal Subdivision	WHITTIER SEC 9 2
Legal Lot Number	22
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	2215 INDEPENDENCE ST, FREDERICK, MD 21702-2621
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAPITAL LLC
Dec 16, 2021	Deed, Transfer · FHA Mortgage APEX HOME LOANS INC
Apr 16, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage RELIANCE FIRST CAPITAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2021 · Amount on Record
Deed Sale	Dec 16, 2021 · Amount on Record
Prior Sale	Oct 13, 2011 · Amount on Record
Deed Book / Page	15586 / 70
Prior Transfer Date	Dec 12, 2020
Prior Transfer Doc	0147770359
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2215 INDEPENDENCE ST, FREDERICK, MD 21702-2621
Transaction Type	Mortgage
Record Updated	May 27, 2022
Title Company	AMC SETTLEMENT SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2215 INDEPENDENCE ST, FREDERICK, MD 21702-2621

Mortgage

Document Number	0153240405
Date	Sep 24, 2021
Book Page	15324/405

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	133 Months
Due	Oct 1, 2032

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 16, 2021
Property Address	2215 INDEPENDENCE ST, FREDERICK, MD 21702-2621
Document Number	0155860070
Book / Page	15586 / 70
Map Reference	MB 47 PG 140
Instrument Date	Dec 8, 2021
Transaction Type	Transfer
Record Updated	Dec 29, 2021
Title Company	FLYNN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,825.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2215 INDEPENDENCE ST, FREDERICK, MD 21702-2621

Mortgage

Document Number	0001558678
Date	Dec 16, 2021
Instrument	15586/78

Lender

Name	APEX HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Apr 16, 2021
Property Address	2215 INDEPENDENCE ST, FREDERICK, MD 21702-2621
Document Number	0147770359
Book / Page	14777 / 359
Map Reference	MB 47 PG 140
Instrument Date	Dec 12, 2020
Transaction Type	Transfer
Record Updated	May 19, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2215 INDEPENDENCE ST, FREDERICK, MD 21702-2621

Mortgage

Document Number	14777363
Date	Apr 16, 2021
Instrument	14777/363

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	117 Months
Due	Jan 1, 2031

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		$523,600 (+19.33%) Land $126,000 Building $397,600	$523,600 (-) Land $126,000 Building $397,600
2024	$8,145.00 (+7.28%)
2023	$7,592.00	$438,800	$523,600 Land $126,000 Building $397,600

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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