316 Upper College Ter, Frederick, MD 21701 Property Records

Frederick County property record for 316 Upper College Ter, Frederick, MD 21701

Property Summary

Property Type	Multi-Family Dwellings
Details	4,971 sqft · built 1922
Lot Size	0.328 acres (14,280 sqft)
Owner	Company Name on Record
Last Sale	$1,300,000 (Jan 2025)
Tax Bill	$14,387 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jan 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-098881`

Property Details

APN / Parcel Number

Primary APN	`02-098881`
Alternative APNs	`2098881` `098881`

Interior

Units	10 Units
Stories	3 Stories
Building Area	4,971 sqft Living Area
Gross Area	6,941 sqft
1st Floor Area	4,971 sqft
Basement Area	1,970 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Architectural Style	Multi-Family
Exterior Material	Brick Veneer
Construction Type	Brick
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Gable
Roof Material	Slate
Lot Area	14,280 sqft (0.328 acres)
Lot Dimensions	170 ft deep x 84 ft wide
View / Lot	Commercial/Industrial
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Hot Water
Sewer	Municipal

Location & Zoning

Account Number	098881
Street Address	316 UPPER COLLEGE TER
City	FREDERICK
State	MD
Zip	21701-4991
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	R6
Legal Description	LT 84 X 170 316 UPPER COLLEGE TER FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	60
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2004
Census Tract	750600

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
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 31, 2026

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

Owner of Record	Company Name on Record
Mailing Address	5301 BUCKEYSTOWN PIKE, 250, FREDERICK, MD 21704-8360
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage ACNB BANK
Jan 17, 2025	Deed, Transfer · Stand-Alone First Mortgage ACNB BANK
Nov 6, 2019	Deed, Transfer · Stand-Alone First Mortgage FREDERICK COUNTY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 16, 2025 · Amount on Record
Deed Sale	Jan 16, 2025 · Amount on Record
Prior Sale	Nov 6, 2019 · Amount on Record
Deed Book / Page	17190 / 381
Transfer Doc	0000006354
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Recording Date	Jul 31, 2026
Property Address	316 UPPER COLLEGE TER, FREDERICK, MD 21701-4991
Document Number	1798000124
Book / Page	17983 / 124
Instrument Date	Jul 29, 2026
Transaction Type	Mortgage
Record Updated	Aug 7, 2026
Title Company	FRIENDSHIP TITLE, FRIENDS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	10616 DUBLIN RD, WALKERSVILLE, MD 21793-9515

Mortgage

Document Number	1798000124,
Date	Jul 31, 2026
Book Page	17983/124

Lender

Name	ACNB BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate Type	Adjustable Rate
Rate	6.43%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 17, 2025
Property Address	316 UPPER COLLEGE TER, FREDERICK, MD 21701-4991
Document Number	0171900381
Book / Page	17190 / 381
Map Reference	MB STH FO 67
Instrument Date	Jan 10, 2025
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	FRIENDS TITLE & ESCROW CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5301 BUCKEYSTOWN PIKE STE 250, 250, FREDERICK, MD 21704-8360

Mortgage

Document Number	0017190386
Date	Jan 17, 2025
Instrument	17190/386

Lender

Name	ACNB BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0171900396
Date	Jan 17, 2025
Book Page	17190/396

Lender

Name	316 UPPER COLLEGE TERRACE LLC
Type	Non-Lending Institution
Address	ARLINGTON, VA 22203

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	19 Months
Due	Aug 1, 2026

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 6, 2019
Property Address	316 UPPER COLLEGE TER, FREDERICK, MD 21701-4991
Document Number	0133240150
Book / Page	13324 / 0150
Map Reference	MB STH FO 67
Instrument Date	Oct 30, 2019
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	RGS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,700.00
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	1443 T ST NW APT 4, 4, WASHINGTON, DC 20009-3927

Mortgage

Document Number	133240156
Date	Nov 6, 2019
Instrument	13324/0156

Lender

Name	FREDERICK COUNTY BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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		$933,733 (+20.93%)	$1,257,000 (+62.8%) Land $421,800 Building $835,200
2025	$14,387.00 (+5.58%)	$772,100 (+4.1%) Land $372,100 Building $400,000	$772,100 (-) Land $372,100 Building $400,000
2023	$13,627.00	$741,700	$772,100 Land $372,100 Building $400,000

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	5 (1998–2021)
Claims Outside the SFHA	4 of 5
Most Recent Claim	May 2021 · rainfall accumulation
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	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 315 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 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

Nearby Properties on Upper College Ter

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures