Frederick County property record for 649 Tivoli Rd, Frederick, MD 21703
| Property Type | Townhouse |
|---|---|
| Details | 3 ba · 2,520 sqft · built 2012 |
| Lot Size | 0.043 acres (1,850 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $6,427 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Dec 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-463903 |
| Primary APN | 02-463903 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 3 Stories |
| Building Area | 2,520 sqft Living Area |
| Gross Area | 2,784 sqft |
| 1st Floor Area | 840 sqft |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 1,850 sqft (0.043 acres) |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 463903 |
|---|---|
| Street Address | 649 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 151 PL 7 PH III & IV 1850 SQ FT BALLENGER CREEK CNT PND |
| Legal Subdivision | BALLENGER CREEK |
| Legal Phase | 3 |
| Legal Lot Number | 151 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 751003 |
Source: Frederick County records, as of August 7, 2026
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 | 649 TIVOLI RD, FREDERICK, MD 21703-4529 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Nov 19, 2021 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Dec 11, 2019 | Intrafamily Transfer, Transfer · FHA Mortgage BAY CAPITAL MORTGAGE CORP |
| Sep 19, 2018 | Deed, Transfer · FHA Mortgage SOUTHERN TRUST MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 11, 2019 |
| Deed Sale | Dec 11, 2019 |
| Prior Sale | Sep 19, 2018 · Amount on Record |
| Deed Book / Page | 13393 / 325 |
| Prior Transfer Date | Nov 26, 2019 |
| Prior Transfer Doc | 0133930325 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 649 TIVOLI RD, FREDERICK, MD 21703-4529 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2025 |
| Name | Verified Name |
|---|---|
| Address | 649 TIVOLI RD, FREDERICK, MD 21703-4529 |
| Document Number | 0155100358 |
|---|---|
| Date | Nov 19, 2021 |
| Book Page | 15510/358 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Dec 11, 2019 |
| Property Address | 649 TIVOLI RD, FREDERICK, MD 21703-4529 |
| Document Number | 0133930325 |
| Book / Page | 13393 / 0325 |
| Map Reference | MB 87 PG 22&23 |
| Instrument Date | Nov 26, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | VILLAGE SETTLEMENTS INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 649 TIVOLI RD, FREDERICK, MD 21703-4529 |
| Document Number | 0133930332 |
|---|---|
| Date | Dec 11, 2019 |
| Instrument | 13393/0332 |
| Name | BAY CAPITAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Sep 19, 2018 |
| Property Address | 649 TIVOLI RD, FREDERICK, MD 21703-4529 |
| Document Number | 0126300001 |
| Book / Page | 12630 / 0001 |
| Map Reference | MB87 PG22&23 |
| Instrument Date | Jul 31, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | CAPITAL TITLE INS AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $727.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 649 TIVOLI RD, 649, FREDERICK, MD 21703-4529 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10350 SWIFT STREAM PL APT 306, 306, COLUMBIA, MD 21044-4938 |
| Document Number | 0000126308 |
|---|---|
| Date | Sep 19, 2018 |
| Instrument | 12630/8 |
| Name | SOUTHERN TRUST MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 1, 2048 |
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 | $371,033 (+6.83%) | $418,500 (+20.5%) Land $120,000 Building $298,500 | |
| 2025 | $6,427.00 (+7.71%) | $347,300 (+18.04%) Land $90,000 Building $257,300 | $347,300 (-) Land $90,000 Building $257,300 |
| 2024 | $5,967.00 (+10.97%) | ||
| 2023 | $5,377.00 | $294,233 | $347,300 Land $90,000 Building $257,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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