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2649 Monocacy Ford Rd, Frederick, MD 21701 Property Records

Frederick County property record for 2649 Monocacy Ford Rd, Frederick, MD 21701

Property Summary

Property TypeSingle Family Home
Details3 ba · 2,807 sqft · built 2004
Lot Size0.148 acres (6,440 sqft)
Owner2 Individual Names on Record
Last Sale$725,000 (Aug 2024)
Tax Bill$10,693 (2025)
Deeds & MortgagesOct 2025 Mortgage
Nov 2019 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN02-249170

Property Details

APN / Parcel Number

Primary APN02-249170
Alternative APN
  • 249170

Interior

Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,760 sqft Living Area
Gross Area4,351 sqft
1st Floor Area1,930 sqft
Basement Area1,000 sqft
Finished Basement1,000 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Architectural StyleConventional
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area6,440 sqft (0.148 acres)
Garage TypeAttached
Garage Area431 sqft
Parking Spaces2 Parking Spaces
PorchEnclosed Porch
Porch Area207 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
SewerMunicipal

Location & Zoning

Account Number249170
Street Address2649 MONOCACY FORD RD
CityFREDERICK
StateMD
Zip21701-6808
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePND
Legal DescriptionLOT 391 SECTION 7B PLAT 10-6,440 SQ. FT. MILL ISLAND WORMANS MILL
Legal SubdivisionMILL ISLAND/WORMANS MILL
Legal Block2
Legal Lot Number391
JurisdictionFREDERICK MD
Township / Civil Division2, FREDERICK
Census Block Group2
Census Block2011
Census Tract750802

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually ListedOld 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 Record2 Individual Names on Record
Mailing Address2649 MONOCACY FORD RD, FREDERICK, MD 21701-6808
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Oct 22, 2025Deed of Trust, Mortgage · Conventional Mortgage
EVERETT FINANCIAL INC
Nov 14, 2019Deed of Trust, Mortgage · Conventional Mortgage
WINTRUST MORTGAGE
Jan 22, 2021Deed of Trust, Mortgage · VA Mortgage
WINTRUST MORTGAGE
Jun 21, 2022Deed of Trust, Mortgage · VA Mortgage
BREEZE FUNDING INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 19, 2024 · Amount on Record
Deed SaleAug 19, 2024 · Amount on Record
Prior SaleJan 11, 2005 · Amount on Record
Deed Book / Page16988 / 99
Record UpdatedOct 29, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address2649 MONOCACY FORD RD, FREDERICK, MD 21701-6808
Transaction TypeMortgage
Record UpdatedNov 11, 2025
Title CompanyNEIGHBORHOOD SETTLEMENTS LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address2649 MONOCACY FORD RD, FREDERICK, MD 21701-6808

Mortgage

Document Number0175660393
DateOct 22, 2025
Book Page17566/393
Lender
NameEVERETT FINANCIAL INC
TypeFunding / Finance Company
AddressDALLAS, TX 75254
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2055

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address2649 MONOCACY FORD RD, FREDERICK, MD 21701-6808
Transaction TypeMortgage
Record UpdatedOct 26, 2022
Title CompanyELEVATED NATL SETMNT SVCS LL

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0133400001
DateNov 14, 2019
Book Page13340/0001
Lender
NameWINTRUST MORTGAGE
TypeMortgage Company
AddressDES PLAINES, IL 60018
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2049

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address2649 MONOCACY FORD RD, FREDERICK, MD 21701-6808
Transaction TypeMortgage
Record UpdatedOct 26, 2022
Title CompanyELEVATED NATL SETMNT SVCS LL

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0144820252
DateJan 22, 2021
Book Page14482/252
Lender
NameWINTRUST MORTGAGE
TypeMortgage Company
AddressDES PLAINES, IL 60018
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term359 Months
DueDec 1, 2050

June 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address2649 MONOCACY FORD RD, FREDERICK, MD 21701-6808
Transaction TypeMortgage
Record UpdatedOct 26, 2022
Title CompanyFIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address2649 MONOCACY FORD RD, FREDERICK, MD 21701-6808

Mortgage

Document Number0159930300
DateJun 21, 2022
Book Page15993/300
Lender
NameBREEZE FUNDING INC
TypeMortgage Company
AddressLAGUNA HILLS, CA 92653
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
MunicipalityFrederick City
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$622,700 (+27.86%)$706,100 (+21.53%) Land $144,400 Building $561,700
2025$10,693.00 (+12,051.14%)
2023$88.00 Disabled Person's exemption Veteran's exemption$487,000$581,000 Land $114,400 Building $466,600

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies5 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 RiskLow
lower than 97% of the US · lower than 94% of Maryland
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemCITY OF FREDERICK
serves 54,000 people · EPA ID MD0100015
Water SourceSurface water
Last State InspectionJun 2024
Lead1 ppb (2019–2021)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 163 locations within half a mile, as of December 31, 2025

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

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