317 S Jefferson St, Middletown, MD 21769 Property Records

Frederick County property record for 317 S Jefferson St, Middletown, MD 21769

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,800 sqft · built 1964
Lot Size	0.517 acres (22,512 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Jul 2020)
Tax Bill	$3,886 (2025)
Deeds & Mortgages	Oct 2017 Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-147002`

Property Details

APN / Parcel Number

Primary APN	`03-147002`
Alternative APNs	`3147002` `147002`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,800 sqft Living Area
1st Floor Area	1,200 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Conventional
Exterior Material	Logs
Construction Type	Log
Roof Material	Composition Shingle
Lot Area	22,512 sqft (0.517 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	432 sqft
Porch	Open Porch
Porch Area	192 sqft
Deck Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal

Location & Zoning

Account Number	147002
Street Address	317 S JEFFERSON ST
City	MIDDLETOWN
State	MD
Zip	21769-8026
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 22,512 SQ FT 317 SOUTH JEFFERSON ST. MIDDLETOWN
Legal Subdivision	MIDDLETOWN
Legal Lot Number	22
Jurisdiction	FREDERICK MD
Township / Civil Division	3, MIDDLETOWN
Census Block Group	3
Census Block	3002
Census Tract	752601

Owner

317 S Jefferson St is owned and occupied by two individuals who bought it in July 2020.

Source: Frederick County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	317 S JEFFERSON ST, MIDDLETOWN, MD 21769-8026
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK
Apr 30, 2021	Deed of Trust, Mortgage · FHA Mortgage INTERCONTINENTAL CAPITAL GROUP INC
Mar 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Jul 7, 2020	Deed, Transfer · FHA Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2020 · Amount on File
Deed Sale	Jul 7, 2020 · Amount on File
Prior Sale	Dec 22, 2016 · Amount on File
Deed Book / Page	13875 / 414
Prior Transfer Date	Dec 12, 2016
Prior Transfer Doc	0115750258
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	317 S JEFFERSON ST, MIDDLETOWN, MD 21769-8026
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0120780495
Date	Oct 13, 2017
Book Page	12078/0495
Instrument	12078-0495

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	351 Months
Due	Jan 1, 2047

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	317 S JEFFERSON ST, MIDDLETOWN, MD 21769-8026
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	NATIONWIDE TTL CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 S JEFFERSON ST, MIDDLETOWN, MD 21769-8026

Mortgage

Document Number	0148270185
Date	Apr 30, 2021
Book Page	14827/185

Lender

Name	INTERCONTINENTAL CAPITAL GROUP INC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	317 S JEFFERSON ST, MIDDLETOWN, MD 21769-8026
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 S JEFFERSON ST, MIDDLETOWN, MD 21769-8026

Mortgage

Document Number	0157670194
Date	Mar 3, 2022
Book Page	15767/194

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jul 7, 2020
Property Address	317 S JEFFERSON ST, MIDDLETOWN, MD 21769-8026
Document Number	0138750414
Book / Page	13875 / 414
Instrument Date	Jun 25, 2020
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,475.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	317 S JEFFERSON ST, MIDDLETOWN, MD 21769-8026

Mortgage

Document Number	13875420
Date	Jul 7, 2020
Instrument	13875/420

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 317 S Jefferson St was $3,886 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Municipality	Middletown Town
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$384,500 Land $96,200 Building $288,300	$384,500 Land $96,200 Building $288,300
2025	$3,886.00
2023	$3,388.00 Homeowner's exemption	$282,000 Land $79,800 Building $202,200	$282,000 Land $79,800 Building $202,200

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

Flood

FEMA maps place 317 S Jefferson St in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	1 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

Wildfire risk around 317 S Jefferson St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	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	TOWN OF MIDDLETOWN serves 5,132 people · EPA ID MD0100018
Water Source	Groundwater
Last State Inspection	Jan 2025

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 281 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
T-Mobile Fixed Wireless	100 / 20

May also be available: EarthLink Business, MN FWA Buyer.

Nearby Properties on S Jefferson St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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