7125 Ladd Cir, Frederick, MD 21703 Property Records

Frederick County property record for 7125 Ladd Cir, Frederick, MD 21703

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,635 sqft · built 1997
Lot Size	0.038 acres (1,640 sqft)
Owner	2 Individual Names on File
Last Sale	$279,900 (May 2020)
Tax Bill	$3,213 (2024)
Deeds & Mortgages	May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-578407`

Property Details

APN / Parcel Number

Primary APN	`28-578407`
Alternative APN	`578407`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,635 sqft Living Area
1st Floor Area	680 sqft
Basement Area	315 sqft
Finished Basement	315 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	1,640 sqft (0.038 acres)
Deck Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	578407
Street Address	7125 LADD CIR
City	FREDERICK
State	MD
Zip	21703-7106
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R8
Legal Description	LOT 153 PLAT 7 1640 SQ. FT. STONEBRIDGE
Legal Subdivision	STONEBRIDGE
Legal Lot Number	153
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1006
Census Tract	751003

Owner

Source: Frederick County records · APN 28-578407

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	7125 LADD CIR, FREDERICK, MD 21703-7106
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 14, 2020 · Amount on Record
Deed Sale	May 14, 2020 · Amount on Record
Prior Sale	Sep 13, 1999 · Amount on Record
Deed Book / Page	13732 / 417
Prior Transfer Date	Apr 01, 2010
Prior Transfer Doc	0077780062
Record Updated	Jun 08, 2026

May 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 14, 2020
Property Address	7125 LADD CIR, FREDERICK, MD 21703-7106
Document Number	0137320417
Book / Page	13732 / 417
Map Reference	MB 55 PL 104
Instrument Date	May 08, 2020
Transaction Type	Transfer
Record Updated	Aug 09, 2021
Title Company	ASSURANCE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$699.75
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	7125 LADD CIR, FREDERICK, MD 21703-7106

Mortgage

Document Number	13732425
Date	May 14, 2020
Instrument	13732/425

Lender

Name	INTEGRITY HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2050

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		$299,200 (+17.49%) Land $90,000 Building $209,200	$299,200 (-) Land $90,000 Building $209,200
2024	$3,213.00 (+8.58%)
2023	$2,959.00 Homeowner's exemption	$254,667	$299,200 Land $90,000 Building $209,200

Flood & Wildfire

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

Flood

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

Wildfire

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 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 as of December 31, 2025 · Last verified October 2026

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

May also be available: Verizon.

Based on FCC filings for 140 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MD0100030, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NEW DESIGN - FREDERICK COUNTY serves 74,911 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.