315 Madison St, Frederick, MD 21701 Property Records

Frederick County property record for 315 Madison St, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	1 ba · 1,056 sqft · built 1860
Lot Size	0.049 acres (2,144 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (Oct 2019)
Tax Bill	$3,322 (2023)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-058707`

Property Details

APN / Parcel Number

Primary APN	`02-058707`
Alternative APNs	`2058707` `058707`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,056 sqft Total Area
1st Floor Area	566 sqft

Exterior

Year Built	Built 1860
Architectural Style	Townhouse
Exterior Material	Brick
Roof Material	Metal
Lot Area	2,144 sqft (0.049 acres)
Lot Dimensions	160 ft deep x 13 ft wide
Porch	Open Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	058707
Old Parcel Number	2058707
Street Address	315 MADISON ST
City	FREDERICK
State	MD
Zip	21701-6317
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	DR
Legal Description	PT. OF LOT #23 13.4 X 160 315 MADISON ST.
Legal Subdivision	LYNCH & ORNDORFFS ADD/FREDERI
Legal Lot Number	23 13
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2011
Census Tract	750300

Historic Designation

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

Historic District	Within the Frederick Historic District (Boundary Increase) listed 1988 · 2,435 contributing resources · NRIS 88000713

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 September 25, 2023

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	315 MADISON ST, FREDERICK, MD 21701-6317
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage SEVERN SAVINGS BANK FSB
Oct 22, 2019	Deed, Transfer · FHA Mortgage SEVERN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2019 · Amount on Record
Deed Sale	Oct 22, 2019 · Amount on Record
Prior Sale	Oct 27, 2010 · Amount on Record
Deed Document Number	0013288387
Deed Book / Page	13288 / 387
Record Updated	Jun 7, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	315 MADISON ST, FREDERICK, MD 21701-6317
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	NORTH AMERICAN TITLE INSURANCE COMPANY, NORTH AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 MADISON ST, FREDERICK, MD 21701-6317

Mortgage

Document Number	0153780496
Date	Oct 13, 2021
Book Page	15378/496

Lender

Name	SEVERN SAVINGS BANK FSB
Type	Bank
Address	ANNAPOLIS, MD 21401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

October 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 22, 2019
Property Address	315 MADISON ST, FREDERICK, MD 21701-6317
Document Number	0132880387
Book / Page	13288 / 0387
Map Reference	LB 6546 FO 535
Instrument Date	Sep 13, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	CERTIFIED TITLE CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	315 MADISON ST, FREDERICK, MD 21701-6317

Mortgage

Document Number	0132880393
Date	Oct 22, 2019
Instrument	13288/0393

Lender

Name	SEVERN SAVINGS BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 2023

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
2023	$3,322.00 Homeowner's exemption	$219,067	$239,000 Land $120,300 Building $118,700

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	1 in force
Nearby Flood Claims	3 (1978–2000)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jun 2000 · rainfall accumulation

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 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 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 577 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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