7132 Ladd Cir, Frederick, MD 21703 Property Records

Frederick County property record for 7132 Ladd Cir, Frederick, MD 21703

Property Summary

Property Type	Townhouse
Details	3.5 ba · 1,830 sqft · built 2000
Lot Size	0.056 acres (2,427 sqft)
Owner	Company Name on Record
Last Sale	$269,900 (Dec 2019)
Tax Bill	$3,660 (2024)
Deeds & Mortgages	Aug 2021 Mortgage Nov 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-578652`

Property Details

APN / Parcel Number

Primary APN	`28-578652`
Alternative APN	`578652`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,830 sqft Living Area
1st Floor Area	690 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	2,427 sqft (0.056 acres)
Deck Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	578652
Street Address	7132 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 175 PLAT 7 2427 SQ. FT. STONEBRIDGE
Legal Subdivision	STONEBRIDGE
Legal Lot Number	175
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 18, 2025

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

Owner of Record	Company Name on Record
Mailing Address	4130 THORNHILL DR, SACRAMENTO, CA 95826-5038
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 16, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Dec 20, 2019	Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2019 · Amount on Record
Deed Sale	Dec 20, 2019 · Amount on Record
Prior Sale	Nov 22, 2002 · Amount on Record
Deed Book / Page	13416 / 348
Last Transfer Date	Oct 14, 2022
Transfer Doc	0162260229
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	7132 LADD CIR, FREDERICK, MD 21703-7107
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	FREESTATE TITLE CONSULTANTS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4130 THORNHILL DR, SACRAMENTO, CA 95826-5038

Mortgage

Document Number	0151850049
Date	Aug 11, 2021
Book Page	15185/49

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Feb 1, 2051

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Nov 16, 2022
Property Address	7132 LADD CIR, FREDERICK, MD 21703-7107
Document Number	0162260229
Book / Page	16226 / 229
Map Reference	MB 55 PG 104
Instrument Date	Oct 14, 2022
Transaction Type	Transfer
Record Updated	Nov 30, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4130 THORNHILL DR, 4130, SACRAMENTO, CA 95826-5038

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4130 THORNHILL DR, SACRAMENTO, CA 95826-5038

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 20, 2019
Property Address	7132 LADD CIR, FREDERICK, MD 21703-7107
Document Number	0134160348
Book / Page	13416 / 0348
Map Reference	MB 55 PL 104
Instrument Date	Dec 6, 2019
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	COUNSELORS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,349.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2803 DECATUR DR, 2803, ADAMSTOWN, MD 21710-9457

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	4130 THORNHILL DR, SACRAMENTO, CA 95826-5038

Mortgage

Document Number	134160355
Date	Dec 20, 2019
Instrument	13416/0355

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 4, 2025

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
2025		$323,900 (+21.69%) Land $90,000 Building $233,900	$323,900 (-) Land $90,000 Building $233,900
2024	$3,660.00 (+14.13%)
2023	$3,207.00	$266,167	$323,900 Land $90,000 Building $233,900

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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