229 S Jefferson St, Frederick, MD 21701 Property Records

Frederick County property record for 229 S Jefferson St, Frederick, MD 21701 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,316 sqft · built 1934
Lot Size	0.258 acres (11,250 sqft)
Owner	2 Company Names on File
Last Sale	$442,200 (May 2022)
Tax Bill	$5,887 (2024)
Deeds & Mortgages	Mar 2026 Line of Credit Dec 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-099934`

Property Details

APN / Parcel Number

Primary APN	`02-099934`
Alternative APNs	`2099934` `099934`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,316 sqft Living Area
1st Floor Area	804 sqft
Basement Area	784 sqft
Finished Basement	784 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Brick
Roof Type	Sawtooth
Roof Material	Metal
Lot Area	11,250 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	278 sqft
Patio Area	536 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Municipal

Location & Zoning

Account Number	099934
Street Address	229 S JEFFERSON ST
City	FREDERICK
State	MD
Zip	21701-6204
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LTS #29-30-31 75 X 150 229 S. JEFF. ST.
Legal Subdivision	CATOCTIN PARK
Legal Block	B
Legal Lot Number	29-31
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2017
Census Tract	765100

Owner

Source: Frederick County records · APN 02-099934

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 Record	2 Company Names on File
Mailing Address	229 S JEFFERSON ST, FREDERICK, MD 21701-6204
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Dec 10, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jun 12, 2023	Intrafamily Transfer, Transfer
Dec 09, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
May 16, 2022	Deed, Transfer · Conventional Mortgage GUARANTY HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 16, 2022 · Amount on Record
Deed Sale	May 16, 2022 · Amount on Record
Prior Sale	Aug 28, 2013 · Amount on Record
Deed Book / Page	15923 / 413
Last Transfer Date	May 17, 2023
Transfer Doc	0164760234
Record Updated	Jun 08, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	229 S JEFFERSON ST, FREDERICK, MD 21701-6204
Transaction Type	Mortgage
Record Updated	Mar 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	229 S JEFFERSON ST, FREDERICK, MD 21701-6204

Mortgage

Document Number	0177670344
Date	Mar 16, 2026
Book Page	17767/344

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	478 Months
Due	Jan 01, 2066

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	229 S JEFFERSON ST, FREDERICK, MD 21701-6204
Transaction Type	Mortgage
Record Updated	Dec 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	229 S JEFFERSON ST, FREDERICK, MD 21701-6204

Mortgage

Document Number	0176380362
Date	Dec 10, 2025
Book Page	17638/362

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Jan 01, 2066

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Jun 12, 2023
Property Address	229 S JEFFERSON ST, FREDERICK, MD 21701-6204
Document Number	0164760234
Book / Page	16476 / 234
Map Reference	MB 3 FO 31
Instrument Date	May 17, 2023
Transaction Type	Transfer
Record Updated	Jun 23, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	229 S JEFFERSON ST, FREDERICK, MD 21701-6204

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	229 S JEFFERSON ST, FREDERICK, MD 21701-6204

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	229 S JEFFERSON ST, FREDERICK, MD 21701-6204
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0143450312
Date	Dec 09, 2020
Book Page	14345/312

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2050

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 16, 2022
Property Address	229 S JEFFERSON ST, FREDERICK, MD 21701-6204
Document Number	0159230413
Book / Page	15923 / 413
Map Reference	MB 3 FO 31
Instrument Date	May 10, 2022
Transaction Type	Transfer
Record Updated	May 26, 2022
Title Company	GPN TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,211.00
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	229 S JEFFERSON ST, FREDERICK, MD 21701-6204

Mortgage

Document Number	0015923421
Date	May 16, 2022
Instrument	15923/421

Lender

Name	GUARANTY HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2052

Tax Assessment & Valuation

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

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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$431,400 (+29.16%) Land $150,000 Building $281,400	$431,400 (-) Land $150,000 Building $281,400
2024	$5,887.00 (+7.25%)
2023	$5,489.00 Homeowner's exemption	$334,000	$431,400 Land $150,000 Building $281,400

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 240217651002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	3 (2018–2019)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jul 2019, other causes
Claims By Storm	Severe Storms And Flooding, May 2018 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None 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 587 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Shenandoah Telecommunications Company	Fiber	8,000 / 8,000
Xfinity	Cable	2,000 / 2,000
AT&T	Fixed Wireless	100 / 20

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

Mobile Coverage

5G and 4G LTE

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