961 Holden Rd, Frederick, MD 21701 Property Records

Frederick County property record for 961 Holden Rd, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	5 ba · 2,416 sqft · built 2021
Lot Size	0.036 acres (1,600 sqft)
Owner	Individual Name on Record
Last Sale	$580,000 (Dec 2025)
Tax Bill	$10,888 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage May 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-597003`

Property Details

APN / Parcel Number

Primary APN	`02-597003`
Alternative APN	`597003`

Interior

Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,416 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,600 sqft (0.036 acres)
Garage Type	Mixed
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Deck Area	60 sqft
Balcony	Balcony
Balcony Area	280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	597003
Street Address	961 HOLDEN RD
City	FREDERICK
State	MD
Zip	21701-3426
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 227 SECTION 5 PL 1,600 SQ FT NICODEMUS PND EASTCHURCH
Legal Subdivision	NICODEMUS PND EASTCHURCH SEC 5
Legal Lot Number	227
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1008
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 December 25, 2025

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	961 HOLDEN RD, FREDERICK, MD 21701-3426
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2025	Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC
May 7, 2021	Deed, Subdivision Related Transfer · Conventional Mortgage MCLEAN MORTGAGE CORP
Oct 10, 2019	Loan Modification, Mortgage SANDY SPRING BK
Oct 10, 2019	Grant Deed, Transfer VILLAGE SETTLEMENTS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2025 · Amount on Record
Deed Sale	Dec 11, 2025 · Amount on Record
Prior Sale	May 7, 2021 · Amount on Record
Deed Document Number	0017641463
Deed Book / Page	17641 / 463
Record Updated	Jun 8, 2026

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Dec 11, 2025
Property Address	961 HOLDEN RD, FREDERICK, MD 21701-3426
Document Number	0176410463
Book / Page	17641 / 463
Map Reference	MB 104 PL 116
Instrument Date	Dec 11, 2025
Transaction Type	Transfer
Record Updated	Dec 26, 2025
Title Company	CLOSELINE SETTLEMENTS LLC, CLOSELINE SETTLEMENTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,900.00
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	961 HOLDEN RD, FREDERICK, MD 21701-3426

Mortgage

Document Number	0017641469
Date	Dec 11, 2025
Instrument	17641/469

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

May 2021: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 7, 2021
Property Address	961 HOLDEN RD, FREDERICK, MD 21701-3426
Document Number	0148540130
Book / Page	14854 / 130
Map Reference	MB 104 PL 116
Instrument Date	Apr 19, 2021
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 11, 2022
Title Company	COMMONWEALTH LAND TITLE INSURANCE COMPANY, COMMONWEALTH LAND TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,823.48
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	961 HOLDEN RD, FREDERICK, MD 21701-3426

Mortgage

Document Number	0014854137
Date	May 7, 2021
Instrument	14854/137

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company

Agreement

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

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FREDERICK MD
Recording Date	Oct 10, 2019
Property Address	961 HOLDEN RD, FREDERICK, MD 21701-3426
Document Number	0132650346
Book / Page	013265 / 000346
Instrument Date	Oct 7, 2019
Transaction Type	Mortgage
Record Updated	Oct 23, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	959 HOLDEN RD FREDERICK MD 217013426, FREDERICK, MD 21701-3426
Investor	Possibly a Property Investor

Mortgage

Document Number	132650346
Date	Oct 10, 2019
Book Page	013265/000346

Lender

Name	SANDY SPRING BK
Type	Bank

Agreement

Amount	Amount Recorded

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Oct 10, 2019
Property Address	961 HOLDEN RD, FREDERICK, MD 21701-3426
Document Number	0132650341
Book / Page	013265 / 000341
Instrument Date	Oct 7, 2019
Transaction Type	Transfer
Record Updated	Oct 23, 2019
Title Company	VILLAGE SETTLEMENTS INC

Transaction

Amount	Amount Recorded
Tax	$700.00
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	5283 CORPORATE DR #300 FREDERICK MD 217032880, 300, FREDERICK, MD 21703-2880
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 1, 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	$10,888.00 (+14.08%)	$591,700 (+12.48%) Land $165,000 Building $426,700	$591,700 (-) Land $165,000 Building $426,700
2023	$9,544.00	$526,033	$591,700 Land $165,000 Building $426,700

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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