905 Mill Pond Rd, Frederick, MD 21701 Property Records

Frederick County property record for 905 Mill Pond Rd, Frederick, MD 21701

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,950 sqft · built 1989
Lot Size	0.08 acres (3,496 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Jun 2021)
Tax Bill	$7,241 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jun 2021 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`02-156725`

Property Details

APN / Parcel Number

Primary APN	`02-156725`
Alternative APNs	`2156725` `156725`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,950 sqft Living Area
Gross Area	2,214 sqft
1st Floor Area	1,316 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,496 sqft (0.08 acres)
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	316 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	156725
Street Address	905 MILL POND RD
City	FREDERICK
State	MD
Zip	21701-9312
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PND
Legal Description	LT 3 BLK A SEC 1 PLAT 3 3496 SQ. FT. WORMANS MILL
Legal Subdivision	WORMANS MILL
Legal Block	A
Legal Lot Number	3A
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	4
Census Block	4009
Census Tract	750802

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 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	905 MILL POND RD, FREDERICK, MD 21701-9312
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Deed of Trust, Mortgage · Line of Credit P N C BANK NA
Jun 7, 2021	Deed, Construction Loan · Construction Mortgage THRIVENT FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2021 · Amount on Record
Deed Sale	Jun 7, 2021 · Amount on Record
Prior Sale	Oct 28, 2003 · Amount on Record
Deed Book / Page	14968 / 164
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Recording Date	May 18, 2026
Property Address	905 MILL POND RD, FREDERICK, MD 21701-9312
Document Number	1786000170
Book / Page	17865 / 170
Instrument Date	Apr 30, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	VISIONET SYSTEMS INC, VISIONET SYSTEMS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 MILL POND RD, FREDERICK, MD 21701-9312

Mortgage

Document Number	1786000170,
Date	May 18, 2026
Book Page	17865/170

Lender

Name	P N C BANK NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	May 4, 2066

Interest

Rate	6.46%
Max Rate	-1%

June 2021: Deed, Construction Loan

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 7, 2021
Property Address	905 MILL POND RD, FREDERICK, MD 21701-9312
Document Number	0149680164
Book / Page	14968 / 164
Map Reference	MB 43 PL 66
Instrument Date	May 14, 2021
Transaction Type	Construction Loan
Record Updated	Jun 28, 2021
Title Company	MARYLAND TITLE CENTER LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,800.00
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 in Severalty
Address	905 MILL POND RD, FREDERICK, MD 21701-9312

Mortgage

Document Number	14968169
Date	Jun 7, 2021
Instrument	14968/169

Lender

Name	THRIVENT FCU
Type	Credit Union

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

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

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
2026		$414,300 (+5.72%)	$459,100 (+17.15%) Land $146,400 Building $312,700
2025	$7,241.00 (+23.86%)	$391,900 (+22.35%) Land $121,400 Building $270,500	$391,900 (-) Land $121,400 Building $270,500
2023	$5,846.00	$320,300	$391,900 Land $121,400 Building $270,500

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 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	Not rated no burnable land within 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 471 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, Verizon.

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