524 W Main St, Middletown, MD 21769 Property Records

Frederick County property record for 524 W Main St, Middletown, MD 21769

Property Summary

Property Type	Townhouse
Details	3 ba · 1,292 sqft · built 1987
Lot Size	0.049 acres (2,165 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (Nov 2021)
Tax Bill	$2,841 (2023)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-154076`

Property Details

APN / Parcel Number

Primary APN	`03-154076`
Alternative APNs	`3154076` `154076`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,292 sqft Total Area
1st Floor Area	670 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Architectural Style	Townhouse
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,165 sqft (0.049 acres)
Deck Area	255 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	154076
Old Parcel Number	3154076
Street Address	524 W MAIN ST
City	MIDDLETOWN
State	MD
Zip	21769-8055
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R2
Legal Description	LT 2 2165.0 SQ FT CREAMERY ROW TOWNHOUSES TOWNHOUSES
Legal Subdivision	TOWNHOUSES
Legal Lot Number	2 2165
Jurisdiction	FREDERICK MD
Township / Civil Division	3, MIDDLETOWN
Census Block Group	3
Census Block	3004
Census Tract	752601

Owner

524 W Main St, a townhouse, is owned and occupied by an individual who bought it in November 2021.

Source: Frederick County records, as of September 25, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	524 W MAIN ST, MIDDLETOWN, MD 21769-8055
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2021 · Amount on File
Deed Sale	Nov 1, 2021 · Amount on File
Deed Document Number	0015452300
Deed Book / Page	15452 / 300
Record Updated	Jun 7, 2026

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 1, 2021
Property Address	524 W MAIN ST, MIDDLETOWN, MD 21769-8055
Document Number	0154520300
Book / Page	15452 / 300
Map Reference	MB 36 PL 17
Instrument Date	Aug 18, 2021
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	AWO TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$712.50
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	524 W MAIN ST, MIDDLETOWN, MD 21769-8055

Mortgage

Document Number	0015452307
Date	Nov 1, 2021
Instrument	15452/307

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

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

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
2023	$2,841.00	$196,100 Land $70,000 Building $126,100	$196,100 Land $70,000 Building $126,100

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

Flood

FEMA maps place 524 W Main 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 524 W Main 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	Direct burnable vegetation

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 120 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