2645 Monocacy Ford Rd, Frederick, MD 21701 Property Records

Frederick County property record for 2645 Monocacy Ford Rd, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,123 sqft · built 2004
Lot Size	0.207 acres (9,035 sqft)
Owner	2 Company Names on Record
Last Sale	$602,378 (Dec 2004)
Tax Bill	$10,479 (2025)
Deeds & Mortgages	Sep 2025 Transfer Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-249197`

Property Details

APN / Parcel Number

Primary APN	`02-249197`
Alternative APN	`249197`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,123 sqft Living Area
Gross Area	4,523 sqft
1st Floor Area	2,368 sqft
Basement Area	1,200 sqft
Finished Basement	1,200 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,035 sqft (0.207 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	341 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	249197
Street Address	2645 MONOCACY FORD RD
City	FREDERICK
State	MD
Zip	21701-6808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PND
Legal Description	LOT 393 SECTION 7B PLAT 10-9,035 SQ. FT. MILL ISLAND WORMANS MILL
Legal Subdivision	MILL ISLAND/WORMANS MILL SEC
Legal Lot Number	393
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2011
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 26, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	2645 MONOCACY FORD RD, FREDERICK, MD 21701-6808
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2025	Intrafamily Transfer, Transfer
Jul 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage MID-ATLANTIC FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2004 · Amount on Record
Deed Sale	Dec 29, 2004 · Amount on Record
Deed Document Number	2004410170
Deed Book / Page	5042 / 474
Last Transfer Date	Feb 22, 2008
Transfer Doc	0069050099
Record Updated	Oct 29, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Sep 11, 2025
Property Address	2645 MONOCACY FORD RD, FREDERICK, MD 21701-6808
Document Number	0175100227
Book / Page	17510 / 227
Map Reference	MB 75 PL 176
Instrument Date	Jun 11, 2025
Transaction Type	Transfer
Record Updated	Sep 25, 2025

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	Family Trust
Address	2645 MONOCACY FORD RD, FREDERICK, MD 21701-6808

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2645 MONOCACY FORD RD, FREDERICK, MD 21701-6808
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0139140398
Date	Jul 22, 2020
Book Page	13914/398

Lender

Name	MID-ATLANTIC FCU
Type	Credit Union
Address	GERMANTOWN, MD 20874

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2035

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		$693,433 (+8.52%)	$802,300 (+25.56%) Land $147,000 Building $655,300
2025	$10,479.00 (+4.86%) Homeowner's exemption	$639,000 (+527.09%) Land $117,000 Building $522,000	$639,000 (+445.69%) Land $117,000 Building $522,000
2024	$9,993.00 (+434.1%)
2023	$1,871.00 Homeowner's exemption	$101,900	$117,100 Land $117,000 Building $100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	Low lower than 96% of the US · lower than 92% 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 30 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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