978 Holden Rd, Frederick, MD 21701 Property Records

Frederick County property record for 978 Holden Rd, Frederick, MD 21701

Property Summary

Property Type	Townhouse
Details	4 ba · 1,616 sqft · built 2020
Lot Size	0.061 acres (2,658 sqft)
Owner	Individual Name on File
Last Sale	$348,000 (Mar 2021)
Tax Bill	$6,193 (2023)
Deeds & Mortgages	Dec 2025 Line of Credit Nov 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`02-596935`

Property Details

APN / Parcel Number

Primary APN	`02-596935`
Alternative APN	`596935`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	3 Stories
Building Area	1,616 sqft Total Area

Exterior

Year Built	Built 2020
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,658 sqft (0.061 acres)
Garage Type	Built-in
Garage Area	304 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Deck Area	112 sqft
Balcony	Balcony
Balcony Area	400 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	596935
Street Address	978 HOLDEN RD
City	FREDERICK
State	MD
Zip	21701-3425
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 2661 SECTION 5 P 2,658 SQ FT NICODEMUS PND EASTCHURCH
Legal Subdivision	NICODEMUS PND EASTCHURCH
Legal Lot Number	2661
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1012
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 assessment roll, as of July 1, 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 File
Co-owner	Verified Secondary Owner
Mailing Address	978 HOLDEN RD, FREDERICK, MD 21701-3425
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Nov 4, 2020	Grant Deed, Subdivision Related Transfer · Conventional with PMI EAGLE HM MTG
Mar 22, 2021	Deed, Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC
Jul 22, 2019	Grant Deed, Transfer CALATLANTIC TITLE INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 22, 2021 · Amount on Record
Deed Sale	Mar 22, 2021 · Amount on Record
Prior Sale	Jul 22, 2019 · Amount on Record
Deed Document Number	0014678399
Deed Book / Page	14678 / 399
Record Updated	Jun 7, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	978 HOLDEN RD, FREDERICK, MD 21701-3425
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	978 HOLDEN RD, FREDERICK, MD 21701-3425

Mortgage

Document Number	0176530284
Date	Dec 19, 2025
Book Page	17653/284

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Jan 1, 2066

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Nov 4, 2020
Property Address	978 HOLDEN RD, FREDERICK, MD 21701-3425
Document Number	0142330402
Book / Page	014233 / 000402
Instrument Date	Oct 26, 2020
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 18, 2020
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	968 HOLDEN RD FREDERICK MD 217013425, FREDERICK, MD 21701-3425
Investor	Possibly a Property Investor

Mortgage

Document Number	142330411
Date	Nov 4, 2020
Book Page	014233/000411

Lender

Name	EAGLE HM MTG
Type	Mortgage Company
Address	MIAMI, FL 33172

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 3, 2050

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Mar 22, 2021
Property Address	978 HOLDEN RD, FREDERICK, MD 21701-3425
Document Number	0146780399
Book / Page	14678 / 399
Map Reference	MB 100 PG 139
Instrument Date	Aug 14, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	CALATLANTIC TITLE/MD INC, CALATLANTIC TITLE OF MD INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,740.00
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	978 HOLDEN RD, FREDERICK, MD 21701-3425

Mortgage

Document Number	0014678409
Date	Mar 22, 2021
Instrument	14678/409

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Sep 1, 2050

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jul 22, 2019
Property Address	978 HOLDEN RD, FREDERICK, MD 21701-3425
Document Number	0130960174
Book / Page	013096 / 000174
Instrument Date	Jul 12, 2019
Transaction Type	Transfer
Record Updated	Aug 3, 2019
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Tax	$581.00
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 #108 CHANTILLY VA 201512291, 108, CHANTILLY, VA 20151-2291
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	$6,193.00 Homeowner's exemption	$356,533	$424,600 Land $175,000 Building $249,600

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 at the parcel

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: Shenandoah Telecommunications Company.

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