7122 Ladd Cir, Frederick, MD 21703 Property Records

Frederick County property record for 7122 Ladd Cir, Frederick, MD 21703

Property Summary

Property Type	Townhouse
Details	4 ba · 1,332 sqft · built 2000
Lot Size	0.037 acres (1,640 sqft)
Owner	Individual Name on Record
Last Sale	$310,500 (Jan 2021)
Tax Bill	$3,151 (2023)
Deeds & Mortgages	Jan 2021 Sale & Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-578709`

Property Details

APN / Parcel Number

Primary APN	`28-578709`
Alternative APN	`578709`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,332 sqft Total Area
1st Floor Area	692 sqft

Exterior

Year Built	Built 2000
Architectural Style	Townhouse
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	1,640 sqft (0.037 acres)
Deck Area	228 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	578709
Street Address	7122 LADD CIR
City	FREDERICK
State	MD
Zip	21703-7107
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R8
Legal Description	LOT 180 PLAT 7 1640 SQ. FT. STONEBRIDGE
Legal Subdivision	STONEBRIDGE SUB 7
Legal Lot Number	180
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1006
Census Tract	751003

Owner

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

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
Co-owner	Co-owner on Record
Mailing Address	7122 LADD CIR, FREDERICK, MD 21703-7107
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2021	Deed, Transfer · Conventional Mortgage FIRST SAVINGS MORTGAGE CORP
May 21, 2018	Deed, Transfer · Conventional Mortgage SUNTRUST MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2021 · Amount on Record
Deed Sale	Jan 22, 2021 · Amount on Record
Prior Sale	May 21, 2018 · Amount on Record
Deed Document Number	0001448129
Deed Book / Page	14481 / 29
Record Updated	Jun 7, 2026

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 22, 2021
Property Address	7122 LADD CIR, FREDERICK, MD 21703-7107
Document Number	0144810029
Book / Page	14481 / 29
Map Reference	MB 55 PG 104
Instrument Date	Jan 11, 2021
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$776.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7122 LADD CIR, FREDERICK, MD 21703-7107

Mortgage

Document Number	1448136
Date	Jan 22, 2021
Instrument	14481/36

Lender

Name	FIRST SAVINGS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 21, 2018
Property Address	7122 LADD CIR, FREDERICK, MD 21703-7107
Document Number	0124240344
Book / Page	12424 / 0344
Map Reference	MB55 PG104
Instrument Date	May 11, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7122 LADD CIR, FREDERICK, MD 21703-7107

Mortgage

Document Number	0012424349
Date	May 21, 2018
Instrument	12424/349

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$3,151.00	$261,367	$313,500 Land $90,000 Building $223,500

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

Flood

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2015)
Most Recent Claim	Sep 2015 · rainfall accumulation

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

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

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Maryland
Wildfire Likelihood	Under 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	NEW DESIGN - FREDERICK COUNTY serves 74,911 people · EPA ID MD0100030
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	3 ppb (2019) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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