2648 Monocacy Ford Rd, Frederick, MD 21701 Property Records

Frederick County property record for 2648 Monocacy Ford Rd, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 4,773 sqft · built 2018
Lot Size	0.251 acres (10,952 sqft)
Owner	2 Individual Names on Record
Last Sale	$757,535 (Jun 2020)
Tax Bill	$16,140 (2025)
Deeds & Mortgages	May 2022 Mortgage Jun 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`02-249103`

Property Details

APN / Parcel Number

Primary APN	`02-249103`
Alternative APN	`249103`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,773 sqft Living Area
Gross Area	5,647 sqft
1st Floor Area	2,435 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,952 sqft (0.251 acres)
Garage Type	Attached
Garage Area	874 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	63 sqft
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	249103
Street Address	2648 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 385 SECTION 7B PLAT 10-10,952 SQ. FT. MILL ISLAND WORMANS MILL
Legal Subdivision	MILL ISLAND/WORMANS MILL
Legal Lot Number	385
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	2 Individual Names on Record
Mailing Address	2648 MONOCACY FORD RD, FREDERICK, MD 21701-6809
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 3, 2020	Grant Deed, Transfer VILLAGE SETTLEMENTS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2020 · Amount on Record
Deed Sale	Jun 3, 2020 · Amount on Record
Deed Book / Page	13780 / 424
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	2648 MONOCACY FORD RD, FREDERICK, MD 21701-6809
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0159230489
Date	May 17, 2022
Book Page	15923/489

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 1, 2052

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 3, 2020
Property Address	2648 MONOCACY FORD RD, FREDERICK, MD 21701-6809
Document Number	0137800424
Book / Page	013780 / 000424
Instrument Date	May 20, 2020
Transaction Type	Transfer
Record Updated	Aug 3, 2020
Title Company	VILLAGE SETTLEMENTS INC

Transaction

Amount	Amount Recorded
Tax	$758.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2648 MONOCACY FORD RD FREDERICK MD 21701, FREDERICK, MD 21701

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		$922,167 (+4.86%)	$1,007,700 (+14.59%) Land $223,400 Building $784,300
2025	$16,140.00 (+9.93%) Homeowner's exemption	$879,400 (+8.32%) Land $178,400 Building $701,000	$879,400 (-) Land $178,400 Building $701,000
2023	$14,682.00 Homeowner's exemption	$811,867	$879,400 Land $178,400 Building $701,000

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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