23 E Church St, Frederick, MD 21701 Property Records

Frederick County property record for 23 E Church St, Frederick, MD 21701

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	4 ba · 2,880 sqft · built 1885
Lot Size	0.051 acres (2,250 sqft)
Owner	Individual Name on Record
Last Sale	$889,000 (May 2021)
Tax Bill	$12,930 (2023)
Deeds & Mortgages	Feb 2021 Mortgage May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-085410`

Property Details

APN / Parcel Number

Primary APN	`02-085410`
Alternative APNs	`2085410` `085410`

Interior

Full Baths	4 Baths
Stories	3 Stories
Building Area	2,880 sqft Total Area
Gross Area	2,802 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Fireplaces	5 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1885
Architectural Style	Townhouse
Exterior Material	Brick
Roof Material	Metal
Lot Area	2,250 sqft (0.051 acres)
Lot Dimensions	125 ft deep x 18 ft wide
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	085410
Old Parcel Number	2085410
Street Address	23 E CHURCH ST
City	FREDERICK
State	MD
Zip	21701-5401
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	DBO
Legal Description	LT 18 X 125 23 E. CHURCH ST. FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	23
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2011
Census Tract	750200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Frederick Historic District (Boundary Increase) listed 1988 · 2,435 contributing resources · NRIS 88000713
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 September 25, 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 Record
Co-owner	Co-owner on Record
Mailing Address	23 E CHURCH ST, FREDERICK, MD 21701-5401
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage PRESIDENTIAL BANK FSB
May 26, 2021	Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Oct 23, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2021 · Amount on Record
Deed Sale	May 26, 2021 · Amount on Record
Prior Sale	Jun 21, 2016 · Amount on Record
Deed Document Number	0001492728
Deed Book / Page	14927 / 28
Record Updated	Jun 7, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	23 E CHURCH ST, FREDERICK, MD 21701-5401
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0145290238
Date	Feb 9, 2021
Book Page	14529/238

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank
Address	BETHESDA, MD 20814

Agreement

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

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	May 26, 2021
Property Address	23 E CHURCH ST, FREDERICK, MD 21701-5401
Document Number	0149270028
Book / Page	14927 / 28
Instrument Date	Apr 30, 2021
Transaction Type	Transfer
Record Updated	Jun 14, 2021
Title Company	REALTY TITLE/TYSONS INC, REALTY TITLE OF TYSONS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,445.00
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	23 E CHURCH ST, FREDERICK, MD 21701-5401

Mortgage

Document Number	1492734
Date	May 26, 2021
Instrument	14927/34

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	23 E CHURCH ST, FREDERICK, MD 21701-5401
Document Number	0121790101
Book / Page	012179 / 000101
Instrument Date	Oct 23, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	23 E CHURCH ST FREDERICK MD 217015401, FREDERICK, MD 21701-5401

Mortgage

Document Number	0121790101
Date	Dec 12, 2017
Book Page	012179/000101

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$12,930.00	$714,400	$876,200 Land $270,200 Building $606,000

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (1996)
Most Recent Claim	Jun 1996 · rainfall accumulation

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	Not rated no burnable land within ember reach

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 585 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 2,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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