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3 Locust St, Frederick, MD 21703 Property Records

Frederick County property record for 3 Locust St, Frederick, MD 21703 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details1 ba · 1,170 sqft · built 1935
Lot Size0.241 acres (10,500 sqft)
Owner2 Company Names on File
Last Sale$175,000 (Aug 2006)
Tax Bill$3,268 (2024)
Deeds & MortgagesJan 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN02-096951

Property Details

APN / Parcel Number

Primary APN02-096951
Alternative APNs
  • 2096951
  • 096951

Interior

Full Baths1 Bath
Stories1 Story
Building Area1,170 sqft Living Area
1st Floor Area780 sqft

Exterior

Year BuiltBuilt 1935
Effective Year BuiltEffective 1935
Architectural StyleConventional
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area10,500 sqft (0.241 acres)
Lot Dimensions140 ft deep x 50 ft wide
PorchOpen Porch
Porch Area266 sqft

Utilities, Heating & Cooling

Heating SystemRadiant
SewerMunicipal

Location & Zoning

Account Number096951
Street Address3 LOCUST ST
CityFREDERICK
StateMD
Zip21703-8417
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT #8 50X140 AND 1/2 LOT 9 FREDERICK
Legal SubdivisionFREDERICK
Legal BlockB
Legal Lot Number8,9
JurisdictionFREDERICK MD
Township / Civil Division2, FREDERICK
Census Block Group2
Census Block2001
Census Tract750505

Owner

Source: Frederick County records · APN 02-096951

Assessment roll updated August 4, 2025 · Last verified April 2026

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

Owner of Record2 Company Names on File
Mailing Address1615 ROSEMONT AVE, FREDERICK, MD 21702-4134
Owner TypeCompany
VestingTrust, Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 04, 2006 · Amount on Record
Deed SaleAug 04, 2006 · Amount on Record
Prior SaleFeb 01, 1993 · Amount on Record
Deed Document Number200665384
Deed Book / Page6153 / 418
Last Transfer DateJan 13, 2025
Transfer Doc0173480461
Record UpdatedJun 08, 2026

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFREDERICK MD
Property Address3 LOCUST ST, FREDERICK, MD 21703-8417
Document Number0134850322
Instrument DateJan 13, 2020
Transaction TypeMortgage
Record UpdatedFeb 11, 2020
Title CompanyEXCALIBUR TITLE AND ESCROW LLC, EXCALIBUR TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address3 LOCUST ST FREDERICK MD 217038417, FREDERICK, MD 21703-8417

Mortgage

Document Number0134850322
DateJan 24, 2020
Book Page013485/000322
Lender
NameEMBRACE HM LOANS
TypeFunding / Finance Company
AddressMIDDLETOWN, RI 02842
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 23, 2050

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$178,100 (+5.41%) Land $73,200 Building $104,900$178,100 (-) Land $73,200 Building $104,900
2024$3,268.00 (+4.58%)
2023$3,125.00$168,967$178,100 Land $73,200 Building $104,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217505052, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies14 units insured
12 under condo master policies

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 280 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Shenandoah Telecommunications CompanyFiber8,000 / 8,000
XfinityCable2,000 / 250
AT&TFixed Wireless100 / 20
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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