2646 Monocacy Ford Rd, Frederick, MD 21701 Property Records

Frederick County property record for 2646 Monocacy Ford Rd, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 5,044 sqft · built 2006
Lot Size	0.245 acres (10,669 sqft)
Owner	Individual Name on Record
Tax Bill	$17,345 (2025)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-249111`

Property Details

APN / Parcel Number

Primary APN	`02-249111`
Alternative APN	`249111`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,044 sqft Living Area
Gross Area	5,768 sqft
1st Floor Area	2,592 sqft
Basement Area	1,890 sqft
Finished Basement	1,890 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	10,669 sqft (0.245 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	274 sqft
Deck Area	381 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	249111
Street Address	2646 MONOCACY FORD RD
City	FREDERICK
State	MD
Zip	21701-6809
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PND
Legal Description	LOT 386 SECTION 7B PLAT 10-10,669 SQ. FT. MILL ISLAND WORMANS MILL
Legal Subdivision	MILL ISLAND & WORMANS MILL
Legal Lot Number	386
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2001
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2646 MONOCACY FORD RD, FREDERICK, MD 21701-6809
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2008
Deed Sale	Jun 16, 2008
Prior Sale	Jan 16, 2007 · Amount on Record
Deed Document Number	200882618
Deed Book / Page	7009 / 769
Last Transfer Date	Mar 12, 2021
Transfer Doc	0147120436
Record Updated	Oct 29, 2026

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Mar 30, 2021
Property Address	2646 MONOCACY FORD RD, FREDERICK, MD 21701-6809
Document Number	0147120436
Book / Page	14712 / 436
Map Reference	MB 75 PL 176
Instrument Date	Mar 12, 2021
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	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
Relationship	Revocable Trust
Address	2646 MONOCACY FORD RD, FREDERICK, MD 21701-6809

Mortgage

Document Number	14712440
Date	Mar 30, 2021
Instrument	14712/440

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

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		$949,500 (-3.14%) Land $185,800 Building $763,700	$949,500 (-3.14%) Land $185,800 Building $763,700
2025	$17,345.00 (+4.61%) Homeowner's exemption	$980,300 (+12.69%) Land $178,000 Building $802,300	$980,300 (-) Land $178,000 Building $802,300
2024	$16,580.00 (+7.09%)
2023	$15,482.00 Homeowner's exemption	$869,900	$980,300 Land $178,000 Building $802,300

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 100 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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