2609 Monocacy Ford Rd, Frederick, MD 21701 Property Records

Frederick County property record for 2609 Monocacy Ford Rd, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	3 ba · 3,074 sqft · built 2005
Lot Size	0.076 acres (3,318 sqft)
Owner	2 Individual Names on Record
Last Sale	$515,000 (Dec 2025)
Tax Bill	$7,857 (2025)
Deeds & Mortgages	Dec 2025 Sale May 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-247828`

Property Details

APN / Parcel Number

Primary APN	`02-247828`
Alternative APN	`247828`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	3,074 sqft Living Area
1st Floor Area	1,087 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,318 sqft (0.076 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	247828
Street Address	2609 MONOCACY FORD RD
City	FREDERICK
State	MD
Zip	21701-6808
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PND
Legal Description	LOT 413 PLAT 9 SECTION 7B-3,318 SQ. FT. MILL ISLAND/WORMANS MILL
Legal Subdivision	MILL ISLAND/WORMANS MILL SEC
Legal Lot Number	413
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2020
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

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	8921 ORNDORFF RD, THURMONT, MD 21788-1317
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2025	Deed, Transfer
May 11, 2021	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jan 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2025 · Amount on Record
Deed Sale	Dec 18, 2025 · Amount on Record
Prior Sale	May 23, 2011 · Amount on Record
Deed Book / Page	17650 / 362
Record Updated	Oct 29, 2026

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 18, 2025
Property Address	2609 MONOCACY FORD RD, FREDERICK, MD 21701-6808
Document Number	0176500362
Book / Page	17650 / 362
Map Reference	MB 75 PG 153
Instrument Date	Dec 11, 2025
Transaction Type	Transfer
Record Updated	Jan 1, 2026

Transaction

Amount	Amount Recorded
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	8921 ORNDORFF RD, THURMONT, MD 21788-1317

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2609 MONOCACY FORD RD, FREDERICK, MD 21701-6808
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2609 MONOCACY FORD RD, FREDERICK, MD 21701-6808

Mortgage

Document Number	0148750032
Date	May 11, 2021
Book Page	14875/32

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2609 MONOCACY FORD RD, FREDERICK, MD 21701-6808
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2609 MONOCACY FORD RD, FREDERICK, MD 21701-6808

Mortgage

Document Number	0144550226
Date	Jan 14, 2021
Book Page	14455/226

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

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		$497,967 (+4.51%)	$540,900 (+13.52%) Land $130,000 Building $410,900
2025	$7,857.00 (+12.34%) Homeowner's exemption	$476,500 (+18.52%) Land $90,000 Building $386,500	$476,500 (-) Land $90,000 Building $386,500
2023	$6,994.00 Homeowner's exemption	$402,033	$476,500 Land $90,000 Building $386,500

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 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

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

Wildfire Risk	Not rated no burnable land within 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 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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