824 Holden Rd, Frederick, MD 21701 Property Records

Frederick County property record for 824 Holden Rd, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	5 ba · 3,024 sqft · built 2018
Lot Size	0.165 acres (7,200 sqft)
Owner	Individual Name on Record
Last Sale	$551,701 (Aug 2018)
Tax Bill	$9,800 (2023)
Deeds & Mortgages	Jun 2020 Mortgage Aug 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-594459`

Property Details

APN / Parcel Number

Primary APN	`02-594459`
Alternative APN	`594459`

Interior

Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,024 sqft Total Area
Basement Area	1,100 sqft
Finished Basement	1,100 sqft

Exterior

Year Built	Built 2018
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,200 sqft (0.165 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	594459
Street Address	824 HOLDEN RD
City	FREDERICK
State	MD
Zip	21701-3409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 299 PLAT 1 SECTI 7,200 SQ FT NICODEMUS PND EASTCHURCH
Legal Subdivision	NICODEMUS PND-EASTCHURDH
Legal Lot Number	299
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1005
Census Tract	750804

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Old National Pike Milestones listed 1975 · 69 contributing resources · NRIS 75002107

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	824 HOLDEN RD, FREDERICK, MD 21701-3409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2020	Deed of Trust, Mortgage · FHA Mortgage FIDELITY DIRECT MORTGAGE LLC
Aug 5, 2020	Deed of Trust, Mortgage · FHA Mortgage FIDELITY DIRECT MORTGAGE LLC
Oct 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 7, 2018	Deed, Transfer · Conventional Mortgage FIDELITY DIRECT MORTGAGE LLC
Sep 29, 2017	Grant Deed, Transfer WALKER TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2018 · Amount on Record
Deed Sale	Aug 7, 2018 · Amount on Record
Prior Sale	Sep 29, 2017 · Amount on Record
Deed Document Number	0012556293
Deed Book / Page	12556 / 293
Record Updated	Jun 7, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	824 HOLDEN RD, FREDERICK, MD 21701-3409
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	FIRST TITLE & ESCROW INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0138030418
Date	Jun 11, 2020
Book Page	13803/418

Lender

Name	FIDELITY DIRECT MORTGAGE LLC
Type	Mortgage Company
Address	GAITHERSBURG, MD 20878

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	824 HOLDEN RD, FREDERICK, MD 21701-3409
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	FIRST TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0139570126
Date	Aug 5, 2020
Book Page	13957/126

Lender

Name	FIDELITY DIRECT MORTGAGE LLC
Type	Mortgage Company
Address	GAITHERSBURG, MD 20878

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	824 HOLDEN RD, FREDERICK, MD 21701-3409
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	EQUITY SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0153880205
Date	Oct 14, 2021
Book Page	15388/205

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jul 1, 2051

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Aug 7, 2018
Property Address	824 HOLDEN RD, FREDERICK, MD 21701-3409
Document Number	0125560293
Book / Page	12556 / 0293
Map Reference	MB98 FO89
Instrument Date	Jun 29, 2018
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	NORTH AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,758.51
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	824 BHOLDEN RD, FREDERICK, MD 21701

Mortgage

Document Number	0012556302
Date	Aug 7, 2018
Instrument	12556/302

Lender

Name	FIDELITY DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2048

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 29, 2017
Property Address	824 HOLDEN RD, FREDERICK, MD 21701-3409
Document Number	0120530405
Book / Page	012053 / 000405
Instrument Date	Sep 25, 2017
Transaction Type	Transfer
Record Updated	May 7, 2018
Title Company	WALKER TITLE

Transaction

Amount	Amount Recorded
Tax	$810.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14280 PARK MEADOW DR CHANTILLY VA 201512280, CHANTILLY, VA 20151-2280
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$9,800.00 Homeowner's exemption	$579,767	$713,300 Land $186,000 Building $527,300

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 15 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	15 in force

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 99.1% of the US · lower than 98.5% 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	CITY OF FREDERICK serves 54,000 people · EPA ID MD0100015
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	1 ppb (2019–2021) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 329 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Glo Fiber, T-Mobile.

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