303 Catoctin Ave, Frederick, MD 21701 Property Records

Frederick County property record for 303 Catoctin Ave, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,644 sqft · built 2002
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$505,000 (Sep 2026)
Tax Bill	$5,350 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Sep 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-021978`

Property Details

APN / Parcel Number

Primary APN	`02-021978`
Alternative APNs	`2021978` `021978`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,644 sqft Living Area
1st Floor Area	1,229 sqft
Basement Area	800 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Siding Sheathing
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Porch	Slab
Porch Area	18 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	021978
Street Address	303 CATOCTIN AVE
City	FREDERICK
State	MD
Zip	21701-6373
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	LTS 10-11 50 X 150 303 CATOCTIN AVE. FREDERICK
Legal Subdivision	FREDERICK
Legal Block	F
Legal Lot Number	10,11
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2005
Census Tract	765100

Owner

Source: Frederick County records, as of October 13, 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	303 CATOCTIN AVE, FREDERICK, MD 21701-6373
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2026	Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORPORATION
Sep 17, 2025	Deed of Trust, Mortgage TRUIST BANK
Sep 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC
Jun 14, 2018	Quit Claim Deed, Transfer OTHER
Jun 15, 2017	Grant Deed, Transfer · FHA Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2026 · Amount on Record
Deed Sale	Sep 25, 2026 · Amount on Record
Prior Sale	Jun 15, 2017 · Amount on Record
Deed Book / Page	18062 / 1
Prior Transfer Date	Jun 6, 2018
Prior Transfer Doc	0124660235
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 25, 2026
Property Address	303 CATOCTIN AVE, FREDERICK, MD 21701-6373
Document Number	1806000001
Book / Page	18062 / 1
Instrument Date	Sep 1, 2026
Transaction Type	Transfer
Record Updated	Oct 8, 2026
Title Company	PASSPORT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$510,050.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 CATOCTIN AVE, FREDERICK, MD 21701-6373

Mortgage

Document Number	1806000009,
Date	Sep 25, 2026
Book Page	18062/9

Lender

Name	FIRST HOME MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	303 CATOCTIN AVE, FREDERICK, MD 21701-6373
Transaction Type	Mortgage
Record Updated	Oct 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 CATOCTIN AVE, FREDERICK, MD 21701-6373

Mortgage

Document Number	0175150499
Date	Sep 17, 2025
Book Page	17515/499

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Amount	Amount Recorded

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	303 CATOCTIN AVE, FREDERICK, MD 21701-6373
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	WORLDWIDE SETTLEMENTS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0141330475
Date	Sep 30, 2020
Book Page	14133/475

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 14, 2018
Property Address	303 CATOCTIN AVE, FREDERICK, MD 21701-6373
Document Number	0124660235
Book / Page	012466 / 000235
Instrument Date	Jun 6, 2018
Transaction Type	Transfer
Record Updated	Jun 26, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	303 CATOCTIN AVE FREDERICK MD 217016373, FREDERICK, MD 21701-6373

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 15, 2017
Property Address	303 CATOCTIN AVE, FREDERICK, MD 21701-6373
Document Number	0118720489
Book / Page	011872 / 000489
Instrument Date	Jun 14, 2017
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$272.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 CATOCTIN AVE FREDERICK MD 217016373, FREDERICK, MD 21701-6373

Mortgage

Document Number	118720495
Date	Jun 15, 2017
Book Page	011872/000495

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 14, 2047

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		$399,033 (+8.88%)	$464,100 (+26.63%) Land $147,000 Building $317,100
2025	$5,350.00 (+4.74%) Homeowner's exemption	$366,500 (+17.76%) Land $110,000 Building $256,500	$366,500 (-) Land $110,000 Building $256,500
2024	$5,108.00 (+7.24%)
2023	$4,763.00 Homeowner's exemption	$311,233	$366,500 Land $110,000 Building $256,500

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	3 (2018–2019)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jul 2019 · other causes
Claims by Event	Severe Storms And Flooding, May 2018 · 2 claims

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	Not rated no burnable land within 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 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 587 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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