232 E Church St, Frederick, MD 21701 Property Records

Frederick County property record for 232 E Church St, Frederick, MD 21701 · Last verified April 2026

Property Summary

Property Type	Townhouse
Details	1.5 ba · 1,160 sqft · built 1881
Lot Size	0.033 acres (1,440 sqft)
Owner	Individual Name on File
Last Sale	$310,000 (Jul 2017)
Tax Bill	$6,403 (2024)
Deeds & Mortgages	Dec 2019 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-068036`

Property Details

APN / Parcel Number

Primary APN	`02-068036`
Alternative APNs	`2068036` `068036`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,160 sqft Living Area
1st Floor Area	580 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1881
Effective Year Built	Effective 1881
Architectural Style	Townhouse
Exterior Material	Brick
Construction Type	Brick
Roof Type	Sawtooth
Roof Material	Metal
Lot Area	1,440 sqft (0.033 acres)
Lot Dimensions	90 ft deep x 16 ft wide
Porch	Open Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Municipal

Location & Zoning

Account Number	068036
Street Address	232 E CHURCH ST
City	FREDERICK
State	MD
Zip	21701-5406
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LT 16 X 90 232 E. CHURCH ST. FREDERICK
Legal Subdivision	FREDERICK
Legal Lot Number	232
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	2
Census Block	2014
Census Tract	750200

Owner

Source: Frederick County records · APN 02-068036

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	Individual Name on File
Mailing Address	232 E CHURCH ST, FREDERICK, MD 21701-5406
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2019	Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA
Sep 24, 2020	Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA
Jul 28, 2017	Grant Deed, Transfer · VA Mortgage DIRECT MTG LN
Feb 23, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 31, 2017 · Amount on Record
Deed Sale	Jul 31, 2017 · Amount on Record
Prior Sale	Nov 21, 2000 · Amount on Record
Deed Document Number	201711951-0253
Deed Book / Page	11951 / 253
Prior Transfer Date	Feb 09, 2017
Prior Transfer Doc	0116840471
Record Updated	Jun 08, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	232 E CHURCH ST, FREDERICK, MD 21701-5406
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	CLEAR TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0134190046
Date	Dec 23, 2019
Book Page	13419/0046

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	335 Months
Due	Nov 01, 2047

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	232 E CHURCH ST, FREDERICK, MD 21701-5406
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	CROWN TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 E CHURCH ST, FREDERICK, MD 21701-5406

Mortgage

Document Number	0141040461
Date	Sep 24, 2020
Book Page	14104/461

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	329 Months
Due	Feb 01, 2048

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jul 28, 2017
Property Address	232 E CHURCH ST, FREDERICK, MD 21701-5406
Document Number	0119510253
Book / Page	011951 / 000253
Instrument Date	Jul 20, 2017
Transaction Type	Transfer
Record Updated	Aug 15, 2017
Title Company	CLEAR TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$310.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1013 DOUGHTEN PL #B FREDERICK MD 217028260, B, FREDERICK, MD 21702-8260

Mortgage

Document Number	119510260
Date	Jul 28, 2017
Book Page	011951/000260

Lender

Name	DIRECT MTG LN
Type	Mortgage Company
Address	HUNT VALLEY, MD 21031

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 27, 2047

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FREDERICK MD
Recording Date	Feb 23, 2017
Property Address	232 E CHURCH ST, FREDERICK, MD 21701-5406
Document Number	0116840471
Book / Page	011684 / 000471
Instrument Date	Feb 09, 2017
Transaction Type	Transfer
Record Updated	Mar 21, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	107 SUMMERFIELD RD CHEVY CHASE MD 208153316, CHEVY CHASE, MD 20815-3316

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		$361,100 (+10.06%) Land $170,000 Building $191,100	$361,100 (-) Land $170,000 Building $191,100
2024	$6,403.00 (+6.97%)
2023	$5,986.00	$328,100	$361,100 Land $170,000 Building $191,100

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 240217502002, 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	5 in force
Nearby Flood Claims	2 (1996)
Most Recent Claim	Jun 1996, rainfall accumulation

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 585 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
T-Mobile USA	Fixed Wireless	100 / 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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