7104 Ladd Cir, Frederick, MD 21703 Property Records

Frederick County property record for 7104 Ladd Cir, Frederick, MD 21703 · Last verified April 2026

Property Summary

Property Type	Townhouse
Details	3.5 ba · 1,820 sqft · built 2000
Lot Size	0.038 acres (1,640 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Sep 2024)
Tax Bill	$3,854 (2024)
Deeds & Mortgages	Jan 2021 Sale & Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-578806`

Property Details

APN / Parcel Number

Primary APN	`28-578806`
Alternative APN	`578806`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,820 sqft Living Area
1st Floor Area	680 sqft
Basement Area	500 sqft
Finished Basement	500 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	1,640 sqft (0.038 acres)
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	578806
Street Address	7104 LADD CIR
City	FREDERICK
State	MD
Zip	21703-7107
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 189 PLAT 7 1640 SQ. FT. STONEBRIDGE
Legal Subdivision	STONEBRIDGE
Legal Block	1
Legal Lot Number	189
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1006
Census Tract	751003

Owner

Source: Frederick County records · APN 28-578806

Assessment roll updated August 4, 2025 · Last verified April 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	7104 LADD CIR, FREDERICK, MD 21703-7107
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2021	Deed, Transfer · Conventional Mortgage APEX HOME LOANS INC
May 08, 2020	Deed of Trust, Mortgage · Conventional with PMI NFM LNDG
Nov 09, 2017	Grant Deed, Transfer · Conventional with PMI NFM LNDG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 09, 2024 · Amount on Record
Deed Sale	Sep 09, 2024 · Amount on Record
Prior Sale	Jan 11, 2021 · Amount on Record
Transfer Doc	0045100144
Record Updated	Jun 08, 2026

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 11, 2021
Property Address	7104 LADD CIR, FREDERICK, MD 21703-7107
Document Number	0144340048
Book / Page	14434 / 48
Map Reference	MB 55 PG 104
Instrument Date	Dec 23, 2020
Transaction Type	Transfer
Record Updated	Aug 09, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,552.51
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	7104 LADD CIR, FREDERICK, MD 21703-7107

Mortgage

Document Number	1443454
Date	Jan 11, 2021
Instrument	14434/54

Lender

Name	APEX HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	7104 LADD CIR, FREDERICK, MD 21703-7107
Document Number	0137620074
Instrument Date	May 08, 2020
Transaction Type	Mortgage
Record Updated	Jul 03, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	7104 LADD CIR FREDERICK MD 217037107, FREDERICK, MD 21703-7107

Mortgage

Document Number	0137620074
Date	May 27, 2020
Book Page	013762/000074

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 26, 2050

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 09, 2017
Property Address	7104 LADD CIR, FREDERICK, MD 21703-7107
Document Number	0121250337
Book / Page	012125 / 000337
Instrument Date	Oct 30, 2017
Transaction Type	Transfer
Record Updated	Dec 11, 2017
Title Company	LAWYERS SIGNATURE SETTLEMENTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7104 LADD CIR FREDERICK MD 217037107, FREDERICK, MD 21703-7107

Mortgage

Document Number	121250342
Date	Nov 09, 2017
Book Page	012125/000342

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 08, 2047

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$336,800 (+18.06%) Land $90,000 Building $246,800	$336,800 (-) Land $90,000 Building $246,800
2024	$3,854.00 (+12.33%)
2023	$3,431.00	$285,267	$336,800 Land $90,000 Building $246,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217510031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 11 individual NFIP policies nearby
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2015)
Most Recent Claim	Sep 2015, rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 140 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
AT&T	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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