108 Water St
Frederick, MD 21701

$275,000

Price

Bed

Bath

739 Sq. Ft.

$372 / Sq. Ft.

739

Sq. Ft.

$372

per Sq. Ft.

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Description

Note: exterior painting to begin 3/30. Only property within 1/2 mile of the square corner downtown listed for less than $300k. Cute and cozy, this house is located 1/2 block from the MARC Rail/Bus station and 1/2 block from Carroll Creek. Set behind the train station, this house is on a short street that ends in a T-cul-de-sac. Almost no traffic. This one is truly location, location, location, and also has some nice upgrades. The first floor, original hardwood floors have just been refinished and...Note: exterior painting to begin 3/30. Only property within 1/2 mile of the square corner downtown listed for less than $300k. Cute and cozy, this house is located 1/2 block from the MARC Rail/Bus station and 1/2 block from Carroll Creek. Set behind the train station, this house is on a short street that ends in a T-cul-de-sac. Almost no traffic. This one is truly location, location, location, and also has some nice upgrades. The first floor, original hardwood floors have just been refinished and a closet in the upstairs sitting room was redesigned to fit a washer/dryer combo. New appliances in the kitchen, new lighting fixtures in the downstairs. The exterior is scheduled to be painted starting March 30, and other repairs/upgrades are ongoing (laundry closet, lower cabinet corner doors, exterior door into crawl space), so this is a move-in ready sanctuary with easy access to major highways and easy walkability to all downtown Frederick has to offer!

Listed by Donna Kuzemchak • Mackintosh, Inc.
P: (301)-964-9988 donnakfrederick@gmail.com

Property Details for 108 Water Street

Tax ID Number

1102083892

Ownership

Fee Simple

Condo Coop Association

HOA

Structure Type

Twin/Semi-Detached

Style

Straight Thru

Levels/Stories

2.5

Waterfront

LISTING UPDATED: 03/17/2026 10:06 AM

Property Details for 108 Water Street

Status	Active
MLS #	MDFR2077364
Days on Market	14
Taxes	$3,565 / year
HOA Fees	-
Condo/Co-op Fees	-
Compass Type	Townhouse
MLS Type	Residential / Fee Simple
Year Built	1879
Lot Size	0.04 AC / 1,527 SF
County	Frederick County, MD

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Location

Listing Courtesy of Mackintosh, Inc.

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Building Information for 108 Water Street

Stories-Residences-Year Built1879Lot Size0.04 AC / 1,527 SF

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$1,632 per month

30 year fixed, 6.11% Interest

Principal and Interest

$1,335

Property Taxes

$297

HOA Dues

The Payment Calculator is for illustrative purposes only.

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Property Information for 108 Water Street

Location

In City Limits: Yes
Transportation: Bus Stop less than 1 mile, Commuter Rail Station less than 1 mile

School District Name: FREDERICK COUNTY PUBLIC SCHOOLS
School District County ID: 121139693024
SchoolDistrictSource: Listing Agent
County: FREDERICK

Waterfront / Water Access

Water View: No
Water Access: No

Water Oriented: No
Navigable Water: No
Tidal Water: No
Riparian Rights Y/N: No

Association / Community Info

Property Manager Y/N: No
Senior Community: No

Association Recreation Fee Y/N: No

Taxes and Assessment

Tax Year: 2025
Tax Assessed Value: $215,733

Year Assessed: 2026
County Tax: $2,187
Improvement Assessed Value: $91,600
City Town Tax: $1,377
Land Assessed Value: $165,000
Clean Green Assessed: No
Municipal Trash: Yes
Land Use Code: R
Agricultural Tax Due: No
Historic: No
Zoning: DR
School Tax: $0
Automatically Update Tax Values Y/N: Yes

Lease Information

Pets Allowed: Yes
Pet Restrictions: No Pet Restrictions

Rooms

All Upper Levels

# Bedrooms Count All Upper Levels: 1
# Bathrooms Count All Upper Levels: 1

# Bathrooms Full All Upper Levels: 1

Upper Level 1

# Bedrooms Count Upper Level: 1
# Bathrooms Count Upper Level: 1

# Bathrooms Full Upper Level: 1

Rooms

Room List: Living Room, Dining Room, Sitting Room, Kitchen
Stories: Upper 1

Rooms Information

Room 1

Room Type: Kitchen
Room Level: Main

Room Exists: Yes

Room 2

Room Type: Dining Room
Room Level: Main

Room Exists: Yes

Room 3

Room Type: Living Room
Room Level: Main

Room Exists: Yes

Room 4

Room Type: Sitting Room
Room Level: Upper 1

Room Exists: Yes

Building Info

Total Finished SQFT: 739.00
Total Finished SQFT Source: Assessor

Tax Total Finished SQFT: 739.00
Total SQFT: 907.00
Total SQFT Source: Assessor
Construction Materials: Wood Siding
Roof: Asphalt
Ext Main Mid-res: http://bright-media01.prd.brightmls.com/bright/images/0000/8046/2674/7302/804626747302_512_384_WM_suVkC1pKrj_GgiPb.jpg
Wall and Ceiling Types: Plaster Walls
Flooring Type: Hardwood
Basement Type: Dirt Floor, Outside Entrance
Foundation Details: Stone
Room and Floor: Bedrooms-Upper Level 1-1, Bathrooms Full-Upper Level 1-1
# Bathrooms Full: 1
Other Structure: Above Grade, Below Grade

Lot / Land Information

Lot Size Source: Assessor
Parcel ID: 11553449

Ground Rent Exists: No

Parking

Type Of Parking: On Street

Interior Features

Fireplace: No
Accessibility Features: None

Laundry Type: Upper Floor
Virtual Tour URL Unbranded: https://pictureperfectllctours.com/108-Water-St/idx

Exterior Features

Spa: No
Pool: No Pool

Horse: No

Utilities

Heating: Yes
Cooling Type: Central A/C

Cooling Fuel: Electric
Heating Type: Forced Air
Heating Fuel: Natural Gas
Hot Water: Natural Gas
Water Source: Public
Sewer Septic: Public Sewer

Confidential Data

Listing Office

List Agent AOR: Frederick County Association of REALTORS
List Agent URL: www.machomes.com

Property History for 108 Water Street

Date	Event & Source	Price	Appreciation
Mar 11, 2026	Listed (Active) BRIGHT #MDFR2077364	$275,000	—
Dec 13, 2023	Closed (Public Record) Public Record #1523797569	$230,000	+7.2% / yr
Dec 13, 2023	Closed BRIGHT #MDFR2041958	$230,000	—
Nov 20, 2023	Pending BRIGHT #MDFR2041958		—
Nov 14, 2023	Listed (Active) BRIGHT #MDFR2041958	$216,000	—
Apr 29, 2011	Closed (Public Record) Public Record #309014753	$96,000	—
Apr 29, 2011	Closed BRIGHT #1004963968	$96,000	—
Feb 11, 2011	Pending BRIGHT #1004963968		—
Jul 29, 2010	Listed (Active) BRIGHT #1004963968	$125,000	—
Oct 1, 1999	Closed BRIGHT #MDFR178064	$25,500	—
Sep 8, 1999	Pending BRIGHT #MDFR178064		—
Jul 11, 1999	Listed (Active) BRIGHT #MDFR178064	$45,900	—

Date	Event & Source	Price
03/11/2026	Listed (Active) BRIGHT #MDFR2077364	$275,000
12/13/2023	Closed (Public Record) Public Record #1523797569	$230,000 +7.2% / yr
12/13/2023	Closed BRIGHT #MDFR2041958	$230,000
11/20/2023	Pending BRIGHT #MDFR2041958	—
11/14/2023	Listed (Active) BRIGHT #MDFR2041958	$216,000
04/29/2011	Closed (Public Record) Public Record #309014753	$96,000
04/29/2011	Closed BRIGHT #1004963968	$96,000
02/11/2011	Pending BRIGHT #1004963968	—
07/29/2010	Listed (Active) BRIGHT #1004963968	$125,000
10/01/1999	Closed BRIGHT #MDFR178064	$25,500
09/08/1999	Pending BRIGHT #MDFR178064	—
07/11/1999	Listed (Active) BRIGHT #MDFR178064	$45,900

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Public Records for 108 Water Street

Taxable ValueLand$115,000Additions$80,300Total$195,300

Tax Record2025$3,653 ($304 / month)

Home Facts

Beds0Baths1Total Finished SqFt739 SqFtAbove Grade Finished SqFt739 SqFtStories2Lot Size1,527 SqFtStyleTownhouseYear Built1879ZoningDRCountyFREDERICKAPN02-083892

Schools near 108 Water Street

This home is within Frederick County Public Schools.


Rating	School	Type	Grades	Distance
6/10	Spring Ridge Elementary School	Public - Serves this home	PK to 5	2.9 mi
6/10	Gov. Thomas Johnson Middle School	Public - Serves this home	6 to 8	1.9 mi
5/10	Gov. Thomas Johnson High School	Public - Serves this home	9 to 12	1.6 mi
6/10	Monocacy Valley Montessori School	Charter - Choice school	PK to 10	0.8 mi
NR	Heather Ridge Middle School	Public - Nearby school	7 to 8	1.8 mi
NR	Frederick County Evening High	Public - Nearby school	9 to 12	1.9 mi
NR	Visitation Academy	Private - Nearby school	PK to 8	0.4 mi
NR	Trinity School Of Frederick	Private - Nearby school	K to 8	0.9 mi


Rating	School	Distance
6/10	Spring Ridge Elementary School PublicPK to 5 Serves this home	2.9 mi
6/10	Gov. Thomas Johnson Middle School Public6 to 8 Serves this home	1.9 mi
5/10	Gov. Thomas Johnson High School Public9 to 12 Serves this home	1.6 mi
6/10	Monocacy Valley Montessori School CharterPK to 10 Choice school	0.8 mi
NR	Heather Ridge Middle School Public7 to 8 Nearby school	1.8 mi
NR	Frederick County Evening High Public9 to 12 Nearby school	1.9 mi
NR	Visitation Academy PrivatePK to 8 Nearby school	0.4 mi
NR	Trinity School Of Frederick PrivateK to 8 Nearby school	0.9 mi

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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More information about 108 Water Street, Frederick, MD 21701

108 Water Street is a townhouse for sale in Frederick, MD 21701. This property was listed for sale on March 11, 2026 by Mackintosh, Inc., it's currently listed at $275,000. It has been on the market for a total of 14 days and was last sold on December 13, 2023. This listing's school district is Frederick County Public Schools. Nearby schools include Spring Ridge Elementary School, Gov. Thomas Johnson Middle School and Gov. Thomas Johnson High School. 108 Water Street is a 1-bed, 1-bath, 739 sqft townhouse built in 1879.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity.

Listing Courtesy of Mackintosh, Inc.

© 2026 Bright MLS. All rights reserved. All information is deemed reliable, but accuracy is not guaranteed. Listing information is from various brokers who participate in IDX and not all listings may be visible on the site. The property information being provided is for the consumer’s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated on 03/17/2026 10:06 AM

108 Water StFrederick, MD 21701

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More information about 108 Water Street, Frederick, MD 21701

108 Water St
Frederick, MD 21701