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209 Locust St, Frederick, MD 21703 Property Records

Frederick County property record for 209 Locust St, Frederick, MD 21703 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,537 sqft · built 1920
Lot Size0.172 acres (7,500 sqft)
Owner2 Individual Names on File
Last Sale$493,000 (Jan 2026)
Tax Bill$4,421 (2025)
Deeds & MortgagesJan 2026 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN02-040050

Property Details

APN / Parcel Number

Primary APN02-040050
Alternative APNs
  • 2040050
  • 040050

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,537 sqft Living Area
1st Floor Area1,537 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Architectural StyleConventional
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area7,500 sqft (0.172 acres)
Lot Dimensions150 ft deep x 50 ft wide
PorchOpen Porch
Porch Area232 sqft

Utilities, Heating & Cooling

Heating SystemRadiant
SewerMunicipal

Location & Zoning

Account Number040050
Street Address209 LOCUST ST
CityFREDERICK
StateMD
Zip21703-8529
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT #22 50 X 150 209 LOCUST ST. FREDERICK
Legal SubdivisionFREDERICK
Legal BlockF
Legal Lot Number22
JurisdictionFREDERICK MD
Township / Civil Division2, FREDERICK
Census Block Group2
Census Block2009
Census Tract750505

Owner

Source: Frederick County records · APN 02-040050

Assessment roll updated August 4, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address209 LOCUST ST, FREDERICK, MD 21703-8529
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 08, 2026 · Amount on Record
Deed SaleJan 08, 2026 · Amount on Record
Prior SaleJun 07, 2005 · Amount on Record
Deed Book / Page17676 / 280
Prior Transfer DateAug 29, 2007
Prior Transfer Doc0067310085
Record UpdatedJun 08, 2026

January 2026: Deed, Transfer

Document TypeDeed
JurisdictionFREDERICK MD
Recording DateJan 08, 2026
Property Address209 LOCUST ST, FREDERICK, MD 21703-8529
Document Number0176760280
Book / Page17676 / 280
Map ReferenceMB STH PG 112
Instrument DateDec 04, 2025
Transaction TypeTransfer
Record UpdatedJan 22, 2026
Title CompanyASSURE TITLE, ASSURANCE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,465.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address209 LOCUST ST, FREDERICK, MD 21703-8529

Mortgage

Document Number0017676285
DateJan 08, 2026
Instrument17676/285
Lender
NameATLANTIC COAST MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2056

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 4, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateMaryland
CountyFrederick County
MunicipalityFrederick City
Unified School DistrictFrederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$4,421.00 (+1.4%)$237,400 (+3.76%) Land $80,600 Building $156,800$237,400 (-) Land $80,600 Building $156,800
2024$4,360.00 (+3.78%)
2023$4,201.00$228,800$237,400 Land $80,600 Building $156,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217505052, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies14 units insured
12 under condo master policies

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 280 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Shenandoah Telecommunications CompanyFiber8,000 / 8,000
XfinityCable2,000 / 250
AT&TFixed Wireless100 / 20
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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