7144 Ladd Cir, Frederick, MD 21703 Property Records

Frederick County property record for 7144 Ladd Cir, Frederick, MD 21703

Property Summary

Property Type	Townhouse
Details	3.5 ba · 1,320 sqft · built 2000
Lot Size	0.038 acres (1,640 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Feb 2021)
Tax Bill	$3,767 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-578571`

Property Details

APN / Parcel Number

Primary APN	`28-578571`
Alternative APN	`578571`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,320 sqft Living Area
1st Floor Area	680 sqft
Basement Area	1 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	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	578571
Street Address	7144 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 169 PLAT 7 1640 SQ. FT. STONEBRIDGE
Legal Subdivision	STONEBRIDGE 07
Legal Lot Number	169
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 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	7144 LADD CIR, FREDERICK, MD 21703-7107
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 19, 2021 · Amount on Record
Deed Sale	Feb 19, 2021 · Amount on Record
Prior Sale	Apr 5, 2000 · Amount on Record
Deed Book / Page	14567 / 286
Record Updated	Oct 29, 2026

February 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FREDERICK MD
Recording Date	Feb 19, 2021
Property Address	7144 LADD CIR, FREDERICK, MD 21703-7107
Document Number	0145670286
Book / Page	14567 / 286
Map Reference	MB 55 PG 104
Instrument Date	Jan 4, 2021
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6004 ADAMSTOWN RD, 6004, ADAMSTOWN, MD 21710-9541

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7144 LADD CIR, FREDERICK, MD 21703-7107

Mortgage

Document Number	14567293
Date	Feb 19, 2021
Instrument	14567/293

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

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
2026		$315,133 (+24.51%)	$343,200 (+13.98%) Land $125,000 Building $218,200
2025	$3,767.00 (+23.35%)
2023	$3,054.00	$253,100	$301,100 Land $90,000 Building $211,100

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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