2435 Mill Race Rd, Frederick, MD 21701 Property Records

Frederick County property record for 2435 Mill Race Rd, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	2.5 ba · 3,017 sqft · built 2010
Lot Size	0.093 acres (4,059 sqft)
Owner	2 Individual Names on File
Last Sale	$469,900 (Jan 2026)
Tax Bill	$9,045 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Aug 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-260166`

Property Details

APN / Parcel Number

Primary APN	`02-260166`
Alternative APN	`260166`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,017 sqft Living Area
Gross Area	3,437 sqft
1st Floor Area	1,991 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	4,059 sqft (0.093 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	180 sqft
Deck Area	124 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	260166
Street Address	2435 MILL RACE RD
City	FREDERICK
State	MD
Zip	21701-6822
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PND
Legal Description	LOT 90 SECTION 7C PLAT 16-4059 SQ FT MILL ISLAND-WORMANS MILL
Legal Subdivision	MILL ISLAND & WORMANS MILL
Legal Lot Number	90
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1007
Census Tract	750802

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

2435 Mill Race Rd, a townhouse, is owned and occupied by two individuals who bought it in January 2026.

Source: Frederick County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2435 MILL RACE RD, FREDERICK, MD 21701-6822
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2026	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 3, 2023	Intrafamily Transfer, Transfer
Dec 1, 2021	Intrafamily Transfer, Transfer
Jun 7, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC
May 7, 2021	Correction Deed ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2026 · Amount on File
Deed Sale	Jan 16, 2026 · Amount on File
Prior Sale	Jan 4, 2011 · Amount on File
Deed Book / Page	17688 / 31
Prior Transfer Date	Jul 19, 2023
Prior Transfer Doc	0165450023
Record Updated	Sep 20, 2026

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 16, 2026
Property Address	2435 MILL RACE RD, FREDERICK, MD 21701-6822
Document Number	0176880031
Book / Page	17688 / 31
Map Reference	MB 79 PL 73
Instrument Date	Dec 26, 2025
Transaction Type	Transfer
Record Updated	Jan 30, 2026
Title Company	UNKNOWN, ROCKET CLOSE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,249.50
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	2435 MILL RACE RD, FREDERICK, MD 21701-6822

Mortgage

Document Number	0001768839
Date	Jan 16, 2026
Instrument	17688/39

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Aug 3, 2023
Property Address	2435 MILL RACE RD, FREDERICK, MD 21701-6822
Document Number	0165450023
Book / Page	16545 / 23
Map Reference	MB 79 PL 73
Instrument Date	Jul 19, 2023
Transaction Type	Transfer
Record Updated	Aug 16, 2023

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	Revocable Trust
Address	2435 MILL RACE RD, FREDERICK, MD 21701-6822

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Dec 1, 2021
Property Address	2435 MILL RACE RD, FREDERICK, MD 21701-6822
Document Number	0155290001
Book / Page	15529 / 1
Map Reference	MB 79 PL 73
Instrument Date	Sep 29, 2021
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Revocable Trust
Address	2435 MILL RACE RD, FREDERICK, MD 21701-6822

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Jun 7, 2021
Property Address	2435 MILL RACE RD, FREDERICK, MD 21701-6822
Document Number	0149670454
Book / Page	14967 / 454
Map Reference	MB 79 PL 73
Instrument Date	Apr 2, 2021
Transaction Type	Transfer
Record Updated	Jun 28, 2021
Title Company	ACCOMODATION, ACCOMMODATION

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
Address	2435 MILL RACE RD, FREDERICK, MD 21701-6822

Mortgage

Document Number	14967461
Date	Jun 7, 2021
Instrument	14967/461

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	May 1, 2051

May 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	FREDERICK MD
Recording Date	May 7, 2021
Property Address	2435 MILL RACE RD, FREDERICK, MD 21701-6822
Document Number	0148570451
Book / Page	14857 / 451
Map Reference	MB 79 PL 73
Instrument Date	Apr 2, 2021
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2435 MILL RACE RD, FREDERICK, MD 21701-6822

Tax Assessment & Valuation

The 2025 property tax bill for 2435 Mill Race Rd was $9,045, up 4.7% from the year before.

Source: Frederick County assessment roll, as of August 7, 2026

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
2026		$553,600 (+4.95%)	$605,800 (+14.84%) Land $140,000 Building $465,800
2025	$9,045.00 (+4.68%) Homeowner's exemption	$527,500 Land $90,000 Building $437,500	$527,500 Land $90,000 Building $437,500
2024	$8,641.00 (+7.14%)
2023	$8,065.00 (+5.52%) Homeowner's exemption	$457,033 (+8.35%)	$527,500 (+25.06%) Land $90,000 Building $437,500
2022	$7,643.00 Homeowner's exemption	$421,800 Land $80,000 Building $341,800	$421,800 Land $80,000 Building $341,800

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

Flood

FEMA maps place 2435 Mill Race Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	12 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.

Wildfire

Wildfire risk around 2435 Mill Race Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 89% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 598 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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