Frederick County property record for 645 Tivoli Rd, Frederick, MD 21703
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 2,028 sqft · built 2009 |
| Lot Size | 0.047 acres (2,062 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $249,000 (May 2018) |
| Tax Bill | $6,078 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage May 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-463938 |
| Primary APN | 02-463938 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 2,028 sqft Living Area |
| 1st Floor Area | 676 sqft |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,062 sqft (0.047 acres) |
| Deck Area | 192 sqft |
| Patio Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 463938 |
|---|---|
| Street Address | 645 TIVOLI RD |
| City | FREDERICK |
| State | MD |
| Zip | 21703-4529 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R12 |
| Legal Description | LOT 110 PL 7 PH III & IV 2,062 SQ FT BALLENGER CREEK CNT PND |
| Legal Subdivision | BALLENGER CREEK |
| Legal Phase | 3 |
| Legal Lot Number | 110 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 751003 |
645 Tivoli Rd, a townhouse, is owned by two individuals who bought it in May 2018.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1 BIG TREE CT, POTOMAC, MD 20854-2944 |
| 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.
| Date | Document |
|---|---|
| Sep 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage APEX HOME LOANS INC |
| May 21, 2018 | Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 21, 2018 · Amount on File |
| Deed Sale | May 21, 2018 · Amount on File |
| Prior Sale | Mar 15, 2010 · Amount on File |
| Deed Book / Page | 12423 / 320 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 645 TIVOLI RD, FREDERICK, MD 21703-4529 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0141220382 |
|---|---|
| Date | Sep 29, 2020 |
| Book Page | 14122/382 |
| Name | APEX HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | ROCKVILLE, MD 20850 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | May 21, 2018 |
| Property Address | 645 TIVOLI RD, FREDERICK, MD 21703-4529 |
| Document Number | 0124230320 |
| Book / Page | 12423 / 0320 |
| Map Reference | MB87 PL22&23 |
| Instrument Date | May 2, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | INTEGRA TITLE & ESCROW INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,245.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 13600 AUTUMN TRAIL DR, GERMANTOWN, MD 20874-2955 |
| Document Number | 0012423325 |
|---|---|
| Date | May 21, 2018 |
| Instrument | 12423/325 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2048 |
The 2025 property tax bill for 645 Tivoli Rd was $6,078.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $350,900 | $396,300 Land $120,000 Building $276,300 | |
| 2025 | $6,078.00 | ||
| 2023 | $5,186.00 | $283,600 | $328,200 Land $90,000 Building $238,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 645 Tivoli Rd 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 |
| Community Rating System | Class 6 (20% premium discount) |
| 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.
The area around 645 Tivoli Rd has no burnable land within ember reach, so its wildfire risk is not rated.
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.
Source: FCC Broadband Data Collection, based on 254 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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