945 Holden Rd, Frederick, MD 21701 Property Records

Frederick County property record for 945 Holden Rd, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	4 ba · 2,340 sqft · built 2022
Lot Size	0.046 acres (2,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (Nov 2022)
Tax Bill	$9,282 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage Nov 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-596996`

Property Details

APN / Parcel Number

Primary APN	`02-596996`
Alternative APN	`596996`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	2,340 sqft Living Area
1st Floor Area	890 sqft
Basement Area	650 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,000 sqft (0.046 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	596996
Street Address	945 HOLDEN RD
City	FREDERICK
State	MD
Zip	21701-3426
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 220 SECTION 5 PL 2,000 SQ FT NICODEMUS PND EASTCHURCH
Legal Subdivision	SUBDIVISION KNOWN AS FINAL PLAT
Legal Lot Number	220
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1015
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 April 8, 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 Record
Mailing Address	945 HOLDEN RD, FREDERICK, MD 21701-3426
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TRUIST BANK
Nov 30, 2022	Deed, Subdivision Related Transfer · FHA Mortgage PLAINS COMMERCE BANK
Jan 26, 2021	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2022 · Amount on Record
Deed Sale	Nov 30, 2022 · Amount on Record
Prior Sale	Jan 26, 2021 · Amount on Record
Deed Book / Page	16240 / 102
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	945 HOLDEN RD, FREDERICK, MD 21701-3426
Transaction Type	Mortgage
Record Updated	May 7, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	945 HOLDEN RD, FREDERICK, MD 21701-3426
Investor	Possibly a Property Investor

Mortgage

Document Number	0177900231
Date	Mar 30, 2026
Book Page	17790/231

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	321 Months
Due	Dec 1, 2052

November 2022: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 30, 2022
Property Address	945 HOLDEN RD, FREDERICK, MD 21701-3426
Document Number	0162400102
Book / Page	16240 / 102
Map Reference	MB 100 PL 166
Instrument Date	Nov 28, 2022
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 8, 2022
Title Company	VILLAGE SETTLEMENTS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,000.00
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 by the Entirety
Address	945 HOLDEN RD, FREDERICK, MD 21701-3426

Mortgage

Document Number	0016240107
Date	Nov 30, 2022
Instrument	16240/107

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jan 26, 2021
Property Address	945 HOLDEN RD, FREDERICK, MD 21701-3426
Document Number	0144870196
Book / Page	014487 / 000196
Instrument Date	Dec 14, 2020
Transaction Type	Transfer
Record Updated	Mar 8, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$828.00
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	933 HOLDEN RD FREDERICK MD 217013426, FREDERICK, MD 21701-3426

Tax Assessment & Valuation

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

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
2025	$9,282.00 (+11.97%) Homeowner's exemption	$513,300 (+12.49%) Land $165,000 Building $348,300	$513,300 (-) Land $165,000 Building $348,300
2023	$8,290.00	$456,300	$513,300 Land $165,000 Building $348,300

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 96% of the US · lower than 92% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 253 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Glo Fiber.

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